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$14,170
−HK$888/mo
▼ 0.25% · 3.875%
HK$14,610
−HK$448/mo
Today · 4.125%
HK$15,058
baseline
▲ 0.50% · 4.625%
HK$15,974
+HK$916/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$30,116/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$156,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,764
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,186
−HK$429/mo
Today · 4.125%
HK$16,615
baseline
▲ 0.50% · 4.625%
HK$17,491
+HK$876/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$33,230/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$156,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,004
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$17,533
−HK$537/mo
Today · 4.125%
HK$18,070
baseline
▲ 0.50% · 4.625%
HK$19,169
+HK$1,099/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$36,140/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$156,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,916
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$19,424
−HK$514/mo
Today · 4.125%
HK$19,938
baseline
▲ 0.50% · 4.625%
HK$20,989
+HK$1,051/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$39,876/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$156,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,838
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$20,455
−HK$627/mo
Today · 4.125%
HK$21,082
baseline
▲ 0.50% · 4.625%
HK$22,364
+HK$1,282/mo
Deposit HK$1.86M · loan HK$4.35M · min. income ≈ HK$42,164/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$156,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,069
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$22,661
−HK$600/mo
Today · 4.125%
HK$23,261
baseline
▲ 0.50% · 4.625%
HK$24,488
+HK$1,227/mo
Deposit HK$1.86M · loan HK$4.35M · min. income ≈ HK$46,522/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$156,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,505
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$26,299
−HK$806/mo
Today · 4.125%
HK$27,105
baseline
▲ 0.50% · 4.625%
HK$28,754
+HK$1,649/mo
Deposit HK$621K · loan HK$5.59M · min. income ≈ HK$54,210/mo (50% DSR)
Upfront cash ≈ HK$778K (deposit + AVD stamp duty HK$156,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,375
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$29,136
−HK$772/mo
Today · 4.125%
HK$29,908
baseline
▲ 0.50% · 4.625%
HK$31,484
+HK$1,576/mo
Deposit HK$621K · loan HK$5.59M · min. income ≈ HK$59,816/mo (50% DSR)
Upfront cash ≈ HK$778K (deposit + AVD stamp duty HK$156,408 · 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).