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$14,178
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,619
−HK$449/mo
Today · 4.125%
HK$15,068
baseline
▲ 0.50% · 4.625%
HK$15,984
+HK$916/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$30,136/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$156,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,773
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,196
−HK$430/mo
Today · 4.125%
HK$16,626
baseline
▲ 0.50% · 4.625%
HK$17,502
+HK$876/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$33,252/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$156,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,014
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$17,543
−HK$538/mo
Today · 4.125%
HK$18,081
baseline
▲ 0.50% · 4.625%
HK$19,181
+HK$1,100/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$36,162/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$156,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,928
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$19,436
−HK$515/mo
Today · 4.125%
HK$19,951
baseline
▲ 0.50% · 4.625%
HK$21,002
+HK$1,051/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$39,902/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$156,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,850
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$20,467
−HK$628/mo
Today · 4.125%
HK$21,095
baseline
▲ 0.50% · 4.625%
HK$22,378
+HK$1,283/mo
Deposit HK$1.87M · loan HK$4.35M · min. income ≈ HK$42,190/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$156,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,083
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$22,675
−HK$601/mo
Today · 4.125%
HK$23,276
baseline
▲ 0.50% · 4.625%
HK$24,503
+HK$1,227/mo
Deposit HK$1.87M · loan HK$4.35M · min. income ≈ HK$46,552/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$156,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,521
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$26,315
−HK$807/mo
Today · 4.125%
HK$27,122
baseline
▲ 0.50% · 4.625%
HK$28,772
+HK$1,650/mo
Deposit HK$622K · loan HK$5.60M · min. income ≈ HK$54,244/mo (50% DSR)
Upfront cash ≈ HK$779K (deposit + AVD stamp duty HK$156,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,392
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,153
−HK$773/mo
Today · 4.125%
HK$29,926
baseline
▲ 0.50% · 4.625%
HK$31,503
+HK$1,577/mo
Deposit HK$622K · loan HK$5.60M · min. income ≈ HK$59,852/mo (50% DSR)
Upfront cash ≈ HK$779K (deposit + AVD stamp duty HK$156,791 · 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).