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$14,162
−HK$888/mo
▼ 0.25% · 3.875%
HK$14,602
−HK$448/mo
Today · 4.125%
HK$15,050
baseline
▲ 0.50% · 4.625%
HK$15,966
+HK$916/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$30,100/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$156,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,755
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,178
−HK$428/mo
Today · 4.125%
HK$16,606
baseline
▲ 0.50% · 4.625%
HK$17,482
+HK$876/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$33,212/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$156,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,994
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$17,523
−HK$537/mo
Today · 4.125%
HK$18,060
baseline
▲ 0.50% · 4.625%
HK$19,159
+HK$1,099/mo
Deposit HK$2.48M · loan HK$3.73M · min. income ≈ HK$36,120/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$156,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,906
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$19,413
−HK$514/mo
Today · 4.125%
HK$19,927
baseline
▲ 0.50% · 4.625%
HK$20,978
+HK$1,051/mo
Deposit HK$2.48M · loan HK$3.73M · min. income ≈ HK$39,854/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$156,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,827
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$20,443
−HK$627/mo
Today · 4.125%
HK$21,070
baseline
▲ 0.50% · 4.625%
HK$22,352
+HK$1,282/mo
Deposit HK$1.86M · loan HK$4.35M · min. income ≈ HK$42,140/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$156,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,057
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$22,649
−HK$600/mo
Today · 4.125%
HK$23,249
baseline
▲ 0.50% · 4.625%
HK$24,474
+HK$1,225/mo
Deposit HK$1.86M · loan HK$4.35M · min. income ≈ HK$46,498/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$156,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,492
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$26,284
−HK$806/mo
Today · 4.125%
HK$27,090
baseline
▲ 0.50% · 4.625%
HK$28,738
+HK$1,648/mo
Deposit HK$621K · loan HK$5.59M · min. income ≈ HK$54,180/mo (50% DSR)
Upfront cash ≈ HK$777K (deposit + AVD stamp duty HK$156,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,359
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$29,120
−HK$771/mo
Today · 4.125%
HK$29,891
baseline
▲ 0.50% · 4.625%
HK$31,467
+HK$1,576/mo
Deposit HK$621K · loan HK$5.59M · min. income ≈ HK$59,782/mo (50% DSR)
Upfront cash ≈ HK$777K (deposit + AVD stamp duty HK$156,069 · 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).