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$14,165
−HK$889/mo
▼ 0.25% · 3.875%
HK$14,606
−HK$448/mo
Today · 4.125%
HK$15,054
baseline
▲ 0.50% · 4.625%
HK$15,970
+HK$916/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$30,108/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$156,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,759
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,182
−HK$428/mo
Today · 4.125%
HK$16,610
baseline
▲ 0.50% · 4.625%
HK$17,486
+HK$876/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$33,220/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$156,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,999
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$17,527
−HK$538/mo
Today · 4.125%
HK$18,065
baseline
▲ 0.50% · 4.625%
HK$19,164
+HK$1,099/mo
Deposit HK$2.48M · loan HK$3.73M · min. income ≈ HK$36,130/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$156,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,911
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$19,418
−HK$514/mo
Today · 4.125%
HK$19,932
baseline
▲ 0.50% · 4.625%
HK$20,983
+HK$1,051/mo
Deposit HK$2.48M · loan HK$3.73M · min. income ≈ HK$39,864/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$156,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,832
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$20,449
−HK$626/mo
Today · 4.125%
HK$21,075
baseline
▲ 0.50% · 4.625%
HK$22,358
+HK$1,283/mo
Deposit HK$1.86M · loan HK$4.35M · min. income ≈ HK$42,150/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$156,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,063
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$22,654
−HK$600/mo
Today · 4.125%
HK$23,254
baseline
▲ 0.50% · 4.625%
HK$24,480
+HK$1,226/mo
Deposit HK$1.86M · loan HK$4.35M · min. income ≈ HK$46,508/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$156,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,498
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$26,291
−HK$806/mo
Today · 4.125%
HK$27,097
baseline
▲ 0.50% · 4.625%
HK$28,746
+HK$1,649/mo
Deposit HK$621K · loan HK$5.59M · min. income ≈ HK$54,194/mo (50% DSR)
Upfront cash ≈ HK$777K (deposit + AVD stamp duty HK$156,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,366
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$29,127
−HK$772/mo
Today · 4.125%
HK$29,899
baseline
▲ 0.50% · 4.625%
HK$31,475
+HK$1,576/mo
Deposit HK$621K · loan HK$5.59M · min. income ≈ HK$59,798/mo (50% DSR)
Upfront cash ≈ HK$777K (deposit + AVD stamp duty HK$156,223 · 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).