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$890/mo
▼ 0.25% · 3.875%
HK$14,637
−HK$449/mo
Today · 4.125%
HK$15,086
baseline
▲ 0.50% · 4.625%
HK$16,004
+HK$918/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$30,172/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$157,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,793
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,216
−HK$430/mo
Today · 4.125%
HK$16,646
baseline
▲ 0.50% · 4.625%
HK$17,523
+HK$877/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$33,292/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$157,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,035
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$17,565
−HK$538/mo
Today · 4.125%
HK$18,103
baseline
▲ 0.50% · 4.625%
HK$19,205
+HK$1,102/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$36,206/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$157,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,951
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$19,459
−HK$516/mo
Today · 4.125%
HK$19,975
baseline
▲ 0.50% · 4.625%
HK$21,028
+HK$1,053/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$39,950/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$157,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,874
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$20,492
−HK$628/mo
Today · 4.125%
HK$21,120
baseline
▲ 0.50% · 4.625%
HK$22,405
+HK$1,285/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$42,240/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$157,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,110
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$22,702
−HK$602/mo
Today · 4.125%
HK$23,304
baseline
▲ 0.50% · 4.625%
HK$24,532
+HK$1,228/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$46,608/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$157,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,552
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$26,347
−HK$808/mo
Today · 4.125%
HK$27,155
baseline
▲ 0.50% · 4.625%
HK$28,807
+HK$1,652/mo
Deposit HK$623K · loan HK$5.60M · min. income ≈ HK$54,310/mo (50% DSR)
Upfront cash ≈ HK$780K (deposit + AVD stamp duty HK$157,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,427
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$29,189
−HK$773/mo
Today · 4.125%
HK$29,962
baseline
▲ 0.50% · 4.625%
HK$31,542
+HK$1,580/mo
Deposit HK$623K · loan HK$5.60M · min. income ≈ HK$59,924/mo (50% DSR)
Upfront cash ≈ HK$780K (deposit + AVD stamp duty HK$157,547 · 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).