The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$14,168
−HK$888/mo
▼ 0.25% · 3.875%
HK$14,609
−HK$447/mo
Today · 4.125%
HK$15,056
baseline
▲ 0.50% · 4.625%
HK$15,972
+HK$916/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$30,112/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$156,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,762
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,184
−HK$429/mo
Today · 4.125%
HK$16,613
baseline
▲ 0.50% · 4.625%
HK$17,489
+HK$876/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$33,226/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$156,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,001
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$17,530
−HK$538/mo
Today · 4.125%
HK$18,068
baseline
▲ 0.50% · 4.625%
HK$19,167
+HK$1,099/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$36,136/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$156,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,914
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$19,421
−HK$515/mo
Today · 4.125%
HK$19,936
baseline
▲ 0.50% · 4.625%
HK$20,987
+HK$1,051/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$39,872/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$156,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,835
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$20,452
−HK$627/mo
Today · 4.125%
HK$21,079
baseline
▲ 0.50% · 4.625%
HK$22,361
+HK$1,282/mo
Deposit HK$1.86M · loan HK$4.35M · min. income ≈ HK$42,158/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$156,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,066
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$22,658
−HK$600/mo
Today · 4.125%
HK$23,258
baseline
▲ 0.50% · 4.625%
HK$24,484
+HK$1,226/mo
Deposit HK$1.86M · loan HK$4.35M · min. income ≈ HK$46,516/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$156,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,502
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$26,295
−HK$806/mo
Today · 4.125%
HK$27,101
baseline
▲ 0.50% · 4.625%
HK$28,750
+HK$1,649/mo
Deposit HK$621K · loan HK$5.59M · min. income ≈ HK$54,202/mo (50% DSR)
Upfront cash ≈ HK$778K (deposit + AVD stamp duty HK$156,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,371
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$29,132
−HK$772/mo
Today · 4.125%
HK$29,904
baseline
▲ 0.50% · 4.625%
HK$31,480
+HK$1,576/mo
Deposit HK$621K · loan HK$5.59M · min. income ≈ HK$59,808/mo (50% DSR)
Upfront cash ≈ HK$778K (deposit + AVD stamp duty HK$156,327 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).