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$14,190
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,631
−HK$449/mo
Today · 4.125%
HK$15,080
baseline
▲ 0.50% · 4.625%
HK$15,997
+HK$917/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$30,160/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$157,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,786
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,209
−HK$430/mo
Today · 4.125%
HK$16,639
baseline
▲ 0.50% · 4.625%
HK$17,516
+HK$877/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$33,278/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$157,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,028
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$17,557
−HK$538/mo
Today · 4.125%
HK$18,095
baseline
▲ 0.50% · 4.625%
HK$19,197
+HK$1,102/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$36,190/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$157,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,943
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$19,451
−HK$516/mo
Today · 4.125%
HK$19,967
baseline
▲ 0.50% · 4.625%
HK$21,019
+HK$1,052/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$39,934/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$157,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,866
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$20,484
−HK$627/mo
Today · 4.125%
HK$21,111
baseline
▲ 0.50% · 4.625%
HK$22,396
+HK$1,285/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$42,222/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$157,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,100
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$22,693
−HK$601/mo
Today · 4.125%
HK$23,294
baseline
▲ 0.50% · 4.625%
HK$24,522
+HK$1,228/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$46,588/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$157,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,542
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$26,336
−HK$807/mo
Today · 4.125%
HK$27,143
baseline
▲ 0.50% · 4.625%
HK$28,795
+HK$1,652/mo
Deposit HK$622K · loan HK$5.60M · min. income ≈ HK$54,286/mo (50% DSR)
Upfront cash ≈ HK$780K (deposit + AVD stamp duty HK$157,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,415
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$29,177
−HK$773/mo
Today · 4.125%
HK$29,950
baseline
▲ 0.50% · 4.625%
HK$31,529
+HK$1,579/mo
Deposit HK$622K · loan HK$5.60M · min. income ≈ HK$59,900/mo (50% DSR)
Upfront cash ≈ HK$780K (deposit + AVD stamp duty HK$157,288 · 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).