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$889/mo
▼ 0.25% · 3.875%
HK$14,609
−HK$448/mo
Today · 4.125%
HK$15,057
baseline
▲ 0.50% · 4.625%
HK$15,973
+HK$916/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$30,114/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$156,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,762
−HK$852/mo
▼ 0.25% · 3.875%
HK$16,185
−HK$429/mo
Today · 4.125%
HK$16,614
baseline
▲ 0.50% · 4.625%
HK$17,489
+HK$875/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$33,228/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$156,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,002
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$17,531
−HK$537/mo
Today · 4.125%
HK$18,068
baseline
▲ 0.50% · 4.625%
HK$19,168
+HK$1,100/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$156,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,915
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$19,422
−HK$514/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$156,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,836
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$20,453
−HK$626/mo
Today · 4.125%
HK$21,079
baseline
▲ 0.50% · 4.625%
HK$22,362
+HK$1,283/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$156,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,067
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$22,659
−HK$600/mo
Today · 4.125%
HK$23,259
baseline
▲ 0.50% · 4.625%
HK$24,485
+HK$1,226/mo
Deposit HK$1.86M · loan HK$4.35M · min. income ≈ HK$46,518/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$156,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,503
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$26,296
−HK$806/mo
Today · 4.125%
HK$27,102
baseline
▲ 0.50% · 4.625%
HK$28,751
+HK$1,649/mo
Deposit HK$621K · loan HK$5.59M · min. income ≈ HK$54,204/mo (50% DSR)
Upfront cash ≈ HK$778K (deposit + AVD stamp duty HK$156,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,372
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$29,133
−HK$772/mo
Today · 4.125%
HK$29,905
baseline
▲ 0.50% · 4.625%
HK$31,481
+HK$1,576/mo
Deposit HK$621K · loan HK$5.59M · min. income ≈ HK$59,810/mo (50% DSR)
Upfront cash ≈ HK$778K (deposit + AVD stamp duty HK$156,347 · 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).