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$14,198
−HK$891/mo
▼ 0.25% · 3.875%
HK$14,640
−HK$449/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$157,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,796
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,219
−HK$430/mo
Today · 4.125%
HK$16,649
baseline
▲ 0.50% · 4.625%
HK$17,527
+HK$878/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$33,298/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$157,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,038
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$17,568
−HK$539/mo
Today · 4.125%
HK$18,107
baseline
▲ 0.50% · 4.625%
HK$19,208
+HK$1,101/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$157,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,955
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$19,463
−HK$516/mo
Today · 4.125%
HK$19,979
baseline
▲ 0.50% · 4.625%
HK$21,032
+HK$1,053/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$39,958/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$157,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,878
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$20,496
−HK$628/mo
Today · 4.125%
HK$21,124
baseline
▲ 0.50% · 4.625%
HK$22,410
+HK$1,286/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$42,248/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$157,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,114
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$22,707
−HK$602/mo
Today · 4.125%
HK$23,309
baseline
▲ 0.50% · 4.625%
HK$24,537
+HK$1,228/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$157,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,557
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$26,352
−HK$808/mo
Today · 4.125%
HK$27,160
baseline
▲ 0.50% · 4.625%
HK$28,813
+HK$1,653/mo
Deposit HK$623K · loan HK$5.60M · min. income ≈ HK$54,320/mo (50% DSR)
Upfront cash ≈ HK$780K (deposit + AVD stamp duty HK$157,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,432
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$29,195
−HK$773/mo
Today · 4.125%
HK$29,968
baseline
▲ 0.50% · 4.625%
HK$31,548
+HK$1,580/mo
Deposit HK$623K · loan HK$5.60M · min. income ≈ HK$59,936/mo (50% DSR)
Upfront cash ≈ HK$780K (deposit + AVD stamp duty HK$157,671 · 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).