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$14,206
−HK$891/mo
▼ 0.25% · 3.875%
HK$14,648
−HK$449/mo
Today · 4.125%
HK$15,097
baseline
▲ 0.50% · 4.625%
HK$16,015
+HK$918/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$30,194/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$157,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,804
−HK$854/mo
▼ 0.25% · 3.875%
HK$16,228
−HK$430/mo
Today · 4.125%
HK$16,658
baseline
▲ 0.50% · 4.625%
HK$17,536
+HK$878/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$33,316/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$157,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,047
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$17,577
−HK$539/mo
Today · 4.125%
HK$18,116
baseline
▲ 0.50% · 4.625%
HK$19,218
+HK$1,102/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$36,232/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$157,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,965
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$19,473
−HK$516/mo
Today · 4.125%
HK$19,989
baseline
▲ 0.50% · 4.625%
HK$21,043
+HK$1,054/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$39,978/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$157,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,888
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$20,507
−HK$628/mo
Today · 4.125%
HK$21,135
baseline
▲ 0.50% · 4.625%
HK$22,421
+HK$1,286/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$42,270/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$157,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,125
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,719
−HK$602/mo
Today · 4.125%
HK$23,321
baseline
▲ 0.50% · 4.625%
HK$24,550
+HK$1,229/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$46,642/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$157,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,571
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$26,366
−HK$808/mo
Today · 4.125%
HK$27,174
baseline
▲ 0.50% · 4.625%
HK$28,828
+HK$1,654/mo
Deposit HK$623K · loan HK$5.61M · min. income ≈ HK$54,348/mo (50% DSR)
Upfront cash ≈ HK$781K (deposit + AVD stamp duty HK$157,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,447
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$29,210
−HK$774/mo
Today · 4.125%
HK$29,984
baseline
▲ 0.50% · 4.625%
HK$31,564
+HK$1,580/mo
Deposit HK$623K · loan HK$5.61M · min. income ≈ HK$59,968/mo (50% DSR)
Upfront cash ≈ HK$781K (deposit + AVD stamp duty HK$157,996 · 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).