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$14,166
−HK$889/mo
▼ 0.25% · 3.875%
HK$14,607
−HK$448/mo
Today · 4.125%
HK$15,055
baseline
▲ 0.50% · 4.625%
HK$15,971
+HK$916/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$30,110/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$156,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,760
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,183
−HK$428/mo
Today · 4.125%
HK$16,611
baseline
▲ 0.50% · 4.625%
HK$17,487
+HK$876/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$33,222/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$156,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,000
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$17,528
−HK$538/mo
Today · 4.125%
HK$18,066
baseline
▲ 0.50% · 4.625%
HK$19,165
+HK$1,099/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$36,132/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$156,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,912
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$19,419
−HK$515/mo
Today · 4.125%
HK$19,934
baseline
▲ 0.50% · 4.625%
HK$20,984
+HK$1,050/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$39,868/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$156,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,833
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$20,450
−HK$627/mo
Today · 4.125%
HK$21,077
baseline
▲ 0.50% · 4.625%
HK$22,359
+HK$1,282/mo
Deposit HK$1.86M · loan HK$4.35M · min. income ≈ HK$42,154/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$156,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,064
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$22,656
−HK$600/mo
Today · 4.125%
HK$23,256
baseline
▲ 0.50% · 4.625%
HK$24,482
+HK$1,226/mo
Deposit HK$1.86M · loan HK$4.35M · min. income ≈ HK$46,512/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$156,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,499
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$26,293
−HK$805/mo
Today · 4.125%
HK$27,098
baseline
▲ 0.50% · 4.625%
HK$28,747
+HK$1,649/mo
Deposit HK$621K · loan HK$5.59M · min. income ≈ HK$54,196/mo (50% DSR)
Upfront cash ≈ HK$778K (deposit + AVD stamp duty HK$156,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,368
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$29,129
−HK$771/mo
Today · 4.125%
HK$29,900
baseline
▲ 0.50% · 4.625%
HK$31,476
+HK$1,576/mo
Deposit HK$621K · loan HK$5.59M · min. income ≈ HK$59,800/mo (50% DSR)
Upfront cash ≈ HK$778K (deposit + AVD stamp duty HK$156,260 · 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).