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$14,183
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,625
−HK$448/mo
Today · 4.125%
HK$15,073
baseline
▲ 0.50% · 4.625%
HK$15,990
+HK$917/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$30,146/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$157,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,779
−HK$852/mo
▼ 0.25% · 3.875%
HK$16,202
−HK$429/mo
Today · 4.125%
HK$16,631
baseline
▲ 0.50% · 4.625%
HK$17,508
+HK$877/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$33,262/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$157,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,020
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$17,550
−HK$538/mo
Today · 4.125%
HK$18,088
baseline
▲ 0.50% · 4.625%
HK$19,188
+HK$1,100/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$36,176/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$157,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,935
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$19,443
−HK$515/mo
Today · 4.125%
HK$19,958
baseline
▲ 0.50% · 4.625%
HK$21,010
+HK$1,052/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$39,916/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$157,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,857
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$20,475
−HK$627/mo
Today · 4.125%
HK$21,102
baseline
▲ 0.50% · 4.625%
HK$22,386
+HK$1,284/mo
Deposit HK$1.87M · loan HK$4.35M · min. income ≈ HK$42,204/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$157,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,091
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$22,683
−HK$601/mo
Today · 4.125%
HK$23,284
baseline
▲ 0.50% · 4.625%
HK$24,511
+HK$1,227/mo
Deposit HK$1.87M · loan HK$4.35M · min. income ≈ HK$46,568/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$157,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,530
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$26,324
−HK$807/mo
Today · 4.125%
HK$27,131
baseline
▲ 0.50% · 4.625%
HK$28,782
+HK$1,651/mo
Deposit HK$622K · loan HK$5.60M · min. income ≈ HK$54,262/mo (50% DSR)
Upfront cash ≈ HK$779K (deposit + AVD stamp duty HK$157,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,402
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$29,164
−HK$773/mo
Today · 4.125%
HK$29,937
baseline
▲ 0.50% · 4.625%
HK$31,515
+HK$1,578/mo
Deposit HK$622K · loan HK$5.60M · min. income ≈ HK$59,874/mo (50% DSR)
Upfront cash ≈ HK$779K (deposit + AVD stamp duty HK$157,013 · 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).