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$14,199
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,641
−HK$448/mo
Today · 4.125%
HK$15,089
baseline
▲ 0.50% · 4.625%
HK$16,007
+HK$918/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$30,178/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$157,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,796
−HK$854/mo
▼ 0.25% · 3.875%
HK$16,220
−HK$430/mo
Today · 4.125%
HK$16,650
baseline
▲ 0.50% · 4.625%
HK$17,527
+HK$877/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$33,300/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$157,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,039
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$17,569
−HK$538/mo
Today · 4.125%
HK$18,107
baseline
▲ 0.50% · 4.625%
HK$19,209
+HK$1,102/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$36,214/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$157,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,955
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,464
−HK$516/mo
Today · 4.125%
HK$19,980
baseline
▲ 0.50% · 4.625%
HK$21,033
+HK$1,053/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$39,960/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$157,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,879
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$20,497
−HK$628/mo
Today · 4.125%
HK$21,125
baseline
▲ 0.50% · 4.625%
HK$22,410
+HK$1,285/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$42,250/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$157,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,115
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$22,708
−HK$601/mo
Today · 4.125%
HK$23,309
baseline
▲ 0.50% · 4.625%
HK$24,538
+HK$1,229/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$46,618/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$157,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,558
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$26,353
−HK$808/mo
Today · 4.125%
HK$27,161
baseline
▲ 0.50% · 4.625%
HK$28,813
+HK$1,652/mo
Deposit HK$623K · loan HK$5.60M · min. income ≈ HK$54,322/mo (50% DSR)
Upfront cash ≈ HK$780K (deposit + AVD stamp duty HK$157,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,433
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$29,196
−HK$773/mo
Today · 4.125%
HK$29,969
baseline
▲ 0.50% · 4.625%
HK$31,549
+HK$1,580/mo
Deposit HK$623K · loan HK$5.60M · min. income ≈ HK$59,938/mo (50% DSR)
Upfront cash ≈ HK$780K (deposit + AVD stamp duty HK$157,690 · 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).