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$14,195
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,637
−HK$448/mo
Today · 4.125%
HK$15,085
baseline
▲ 0.50% · 4.625%
HK$16,003
+HK$918/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$30,170/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$157,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,792
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,215
−HK$430/mo
Today · 4.125%
HK$16,645
baseline
▲ 0.50% · 4.625%
HK$17,523
+HK$878/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$33,290/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$157,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,034
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$17,564
−HK$538/mo
Today · 4.125%
HK$18,102
baseline
▲ 0.50% · 4.625%
HK$19,204
+HK$1,102/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$36,204/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$157,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,950
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$19,459
−HK$515/mo
Today · 4.125%
HK$19,974
baseline
▲ 0.50% · 4.625%
HK$21,027
+HK$1,053/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$39,948/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$157,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,873
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$20,491
−HK$628/mo
Today · 4.125%
HK$21,119
baseline
▲ 0.50% · 4.625%
HK$22,404
+HK$1,285/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$42,238/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$157,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,109
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$22,702
−HK$601/mo
Today · 4.125%
HK$23,303
baseline
▲ 0.50% · 4.625%
HK$24,532
+HK$1,229/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$46,606/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$157,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,551
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$26,346
−HK$808/mo
Today · 4.125%
HK$27,154
baseline
▲ 0.50% · 4.625%
HK$28,806
+HK$1,652/mo
Deposit HK$623K · loan HK$5.60M · min. income ≈ HK$54,308/mo (50% DSR)
Upfront cash ≈ HK$780K (deposit + AVD stamp duty HK$157,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,425
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$29,188
−HK$773/mo
Today · 4.125%
HK$29,961
baseline
▲ 0.50% · 4.625%
HK$31,541
+HK$1,580/mo
Deposit HK$623K · loan HK$5.60M · min. income ≈ HK$59,922/mo (50% DSR)
Upfront cash ≈ HK$780K (deposit + AVD stamp duty HK$157,524 · 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).