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$14,196
−HK$891/mo
▼ 0.25% · 3.875%
HK$14,638
−HK$449/mo
Today · 4.125%
HK$15,087
baseline
▲ 0.50% · 4.625%
HK$16,005
+HK$918/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$30,174/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$157,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,793
−HK$854/mo
▼ 0.25% · 3.875%
HK$16,217
−HK$430/mo
Today · 4.125%
HK$16,647
baseline
▲ 0.50% · 4.625%
HK$17,524
+HK$877/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$33,294/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$157,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,036
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$17,566
−HK$538/mo
Today · 4.125%
HK$18,104
baseline
▲ 0.50% · 4.625%
HK$19,206
+HK$1,102/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$36,208/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$157,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,952
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$19,460
−HK$516/mo
Today · 4.125%
HK$19,976
baseline
▲ 0.50% · 4.625%
HK$21,029
+HK$1,053/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$39,952/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$157,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,875
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$20,493
−HK$628/mo
Today · 4.125%
HK$21,121
baseline
▲ 0.50% · 4.625%
HK$22,407
+HK$1,286/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$42,242/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$157,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,111
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$22,704
−HK$601/mo
Today · 4.125%
HK$23,305
baseline
▲ 0.50% · 4.625%
HK$24,534
+HK$1,229/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$46,610/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$157,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,554
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$26,348
−HK$808/mo
Today · 4.125%
HK$27,156
baseline
▲ 0.50% · 4.625%
HK$28,808
+HK$1,652/mo
Deposit HK$623K · loan HK$5.60M · min. income ≈ HK$54,312/mo (50% DSR)
Upfront cash ≈ HK$780K (deposit + AVD stamp duty HK$157,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,428
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$29,191
−HK$773/mo
Today · 4.125%
HK$29,964
baseline
▲ 0.50% · 4.625%
HK$31,543
+HK$1,579/mo
Deposit HK$623K · loan HK$5.60M · min. income ≈ HK$59,928/mo (50% DSR)
Upfront cash ≈ HK$780K (deposit + AVD stamp duty HK$157,582 · 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).