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$14,163
−HK$888/mo
▼ 0.25% · 3.875%
HK$14,603
−HK$448/mo
Today · 4.125%
HK$15,051
baseline
▲ 0.50% · 4.625%
HK$15,967
+HK$916/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$30,102/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$156,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,756
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,179
−HK$428/mo
Today · 4.125%
HK$16,607
baseline
▲ 0.50% · 4.625%
HK$17,483
+HK$876/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$33,214/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$156,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,995
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$17,524
−HK$537/mo
Today · 4.125%
HK$18,061
baseline
▲ 0.50% · 4.625%
HK$19,160
+HK$1,099/mo
Deposit HK$2.48M · loan HK$3.73M · min. income ≈ HK$36,122/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$156,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,907
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$19,414
−HK$515/mo
Today · 4.125%
HK$19,929
baseline
▲ 0.50% · 4.625%
HK$20,979
+HK$1,050/mo
Deposit HK$2.48M · loan HK$3.73M · min. income ≈ HK$39,858/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$156,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,828
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$20,445
−HK$626/mo
Today · 4.125%
HK$21,071
baseline
▲ 0.50% · 4.625%
HK$22,353
+HK$1,282/mo
Deposit HK$1.86M · loan HK$4.35M · min. income ≈ HK$42,142/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$156,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,058
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$22,650
−HK$600/mo
Today · 4.125%
HK$23,250
baseline
▲ 0.50% · 4.625%
HK$24,476
+HK$1,226/mo
Deposit HK$1.86M · loan HK$4.35M · min. income ≈ HK$46,500/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$156,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,493
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$26,286
−HK$806/mo
Today · 4.125%
HK$27,092
baseline
▲ 0.50% · 4.625%
HK$28,740
+HK$1,648/mo
Deposit HK$621K · loan HK$5.59M · min. income ≈ HK$54,184/mo (50% DSR)
Upfront cash ≈ HK$777K (deposit + AVD stamp duty HK$156,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,361
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$29,121
−HK$772/mo
Today · 4.125%
HK$29,893
baseline
▲ 0.50% · 4.625%
HK$31,469
+HK$1,576/mo
Deposit HK$621K · loan HK$5.59M · min. income ≈ HK$59,786/mo (50% DSR)
Upfront cash ≈ HK$777K (deposit + AVD stamp duty HK$156,106 · 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).