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$14,181
−HK$889/mo
▼ 0.25% · 3.875%
HK$14,622
−HK$448/mo
Today · 4.125%
HK$15,070
baseline
▲ 0.50% · 4.625%
HK$15,987
+HK$917/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$30,140/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$156,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,776
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,199
−HK$430/mo
Today · 4.125%
HK$16,629
baseline
▲ 0.50% · 4.625%
HK$17,505
+HK$876/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$33,258/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$156,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,017
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$17,547
−HK$537/mo
Today · 4.125%
HK$18,084
baseline
▲ 0.50% · 4.625%
HK$19,185
+HK$1,101/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$36,168/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$156,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,932
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$19,439
−HK$515/mo
Today · 4.125%
HK$19,954
baseline
▲ 0.50% · 4.625%
HK$21,006
+HK$1,052/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$39,908/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$156,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,854
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$20,471
−HK$628/mo
Today · 4.125%
HK$21,099
baseline
▲ 0.50% · 4.625%
HK$22,382
+HK$1,283/mo
Deposit HK$1.87M · loan HK$4.35M · min. income ≈ HK$42,198/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$156,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,087
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$22,679
−HK$601/mo
Today · 4.125%
HK$23,280
baseline
▲ 0.50% · 4.625%
HK$24,507
+HK$1,227/mo
Deposit HK$1.87M · loan HK$4.35M · min. income ≈ HK$46,560/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$156,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,526
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$26,320
−HK$807/mo
Today · 4.125%
HK$27,127
baseline
▲ 0.50% · 4.625%
HK$28,777
+HK$1,650/mo
Deposit HK$622K · loan HK$5.60M · min. income ≈ HK$54,254/mo (50% DSR)
Upfront cash ≈ HK$779K (deposit + AVD stamp duty HK$156,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,397
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$29,159
−HK$773/mo
Today · 4.125%
HK$29,932
baseline
▲ 0.50% · 4.625%
HK$31,509
+HK$1,577/mo
Deposit HK$622K · loan HK$5.60M · min. income ≈ HK$59,864/mo (50% DSR)
Upfront cash ≈ HK$779K (deposit + AVD stamp duty HK$156,909 · 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).