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$14,200
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,642
−HK$448/mo
Today · 4.125%
HK$15,090
baseline
▲ 0.50% · 4.625%
HK$16,008
+HK$918/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$30,180/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$157,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,797
−HK$854/mo
▼ 0.25% · 3.875%
HK$16,221
−HK$430/mo
Today · 4.125%
HK$16,651
baseline
▲ 0.50% · 4.625%
HK$17,528
+HK$877/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$33,302/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$157,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,040
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$17,570
−HK$538/mo
Today · 4.125%
HK$18,108
baseline
▲ 0.50% · 4.625%
HK$19,210
+HK$1,102/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$36,216/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$157,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,957
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$19,465
−HK$516/mo
Today · 4.125%
HK$19,981
baseline
▲ 0.50% · 4.625%
HK$21,034
+HK$1,053/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$39,962/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$157,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,880
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$20,498
−HK$628/mo
Today · 4.125%
HK$21,126
baseline
▲ 0.50% · 4.625%
HK$22,412
+HK$1,286/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$42,252/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$157,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,116
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$22,709
−HK$602/mo
Today · 4.125%
HK$23,311
baseline
▲ 0.50% · 4.625%
HK$24,540
+HK$1,229/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$46,622/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$157,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,560
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$26,355
−HK$807/mo
Today · 4.125%
HK$27,162
baseline
▲ 0.50% · 4.625%
HK$28,815
+HK$1,653/mo
Deposit HK$623K · loan HK$5.60M · min. income ≈ HK$54,324/mo (50% DSR)
Upfront cash ≈ HK$780K (deposit + AVD stamp duty HK$157,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,435
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$29,197
−HK$774/mo
Today · 4.125%
HK$29,971
baseline
▲ 0.50% · 4.625%
HK$31,551
+HK$1,580/mo
Deposit HK$623K · loan HK$5.60M · min. income ≈ HK$59,942/mo (50% DSR)
Upfront cash ≈ HK$780K (deposit + AVD stamp duty HK$157,729 · 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).