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$14,187
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,629
−HK$448/mo
Today · 4.125%
HK$15,077
baseline
▲ 0.50% · 4.625%
HK$15,995
+HK$918/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$30,154/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$157,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,783
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,207
−HK$429/mo
Today · 4.125%
HK$16,636
baseline
▲ 0.50% · 4.625%
HK$17,513
+HK$877/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$33,272/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$157,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,025
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$17,555
−HK$538/mo
Today · 4.125%
HK$18,093
baseline
▲ 0.50% · 4.625%
HK$19,193
+HK$1,100/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$36,186/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$157,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,940
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$19,448
−HK$515/mo
Today · 4.125%
HK$19,963
baseline
▲ 0.50% · 4.625%
HK$21,016
+HK$1,053/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$39,926/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$157,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,862
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$20,480
−HK$628/mo
Today · 4.125%
HK$21,108
baseline
▲ 0.50% · 4.625%
HK$22,392
+HK$1,284/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$42,216/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$157,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,097
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$22,689
−HK$602/mo
Today · 4.125%
HK$23,291
baseline
▲ 0.50% · 4.625%
HK$24,518
+HK$1,227/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$46,582/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$157,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,537
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$26,332
−HK$807/mo
Today · 4.125%
HK$27,139
baseline
▲ 0.50% · 4.625%
HK$28,790
+HK$1,651/mo
Deposit HK$622K · loan HK$5.60M · min. income ≈ HK$54,278/mo (50% DSR)
Upfront cash ≈ HK$779K (deposit + AVD stamp duty HK$157,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,410
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$29,172
−HK$773/mo
Today · 4.125%
HK$29,945
baseline
▲ 0.50% · 4.625%
HK$31,523
+HK$1,578/mo
Deposit HK$622K · loan HK$5.60M · min. income ≈ HK$59,890/mo (50% DSR)
Upfront cash ≈ HK$779K (deposit + AVD stamp duty HK$157,187 · 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).