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$14,169
−HK$888/mo
▼ 0.25% · 3.875%
HK$14,610
−HK$447/mo
Today · 4.125%
HK$15,057
baseline
▲ 0.50% · 4.625%
HK$15,974
+HK$917/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$30,114/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$156,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,763
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,186
−HK$428/mo
Today · 4.125%
HK$16,614
baseline
▲ 0.50% · 4.625%
HK$17,490
+HK$876/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$33,228/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$156,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,003
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$17,532
−HK$537/mo
Today · 4.125%
HK$18,069
baseline
▲ 0.50% · 4.625%
HK$19,168
+HK$1,099/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$36,138/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$156,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,915
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$19,423
−HK$514/mo
Today · 4.125%
HK$19,937
baseline
▲ 0.50% · 4.625%
HK$20,988
+HK$1,051/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$39,874/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$156,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,837
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$20,454
−HK$626/mo
Today · 4.125%
HK$21,080
baseline
▲ 0.50% · 4.625%
HK$22,363
+HK$1,283/mo
Deposit HK$1.86M · loan HK$4.35M · min. income ≈ HK$42,160/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$156,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,068
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$22,660
−HK$600/mo
Today · 4.125%
HK$23,260
baseline
▲ 0.50% · 4.625%
HK$24,486
+HK$1,226/mo
Deposit HK$1.86M · loan HK$4.35M · min. income ≈ HK$46,520/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$156,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,504
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$26,297
−HK$806/mo
Today · 4.125%
HK$27,103
baseline
▲ 0.50% · 4.625%
HK$28,753
+HK$1,650/mo
Deposit HK$621K · loan HK$5.59M · min. income ≈ HK$54,206/mo (50% DSR)
Upfront cash ≈ HK$778K (deposit + AVD stamp duty HK$156,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,373
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$29,134
−HK$772/mo
Today · 4.125%
HK$29,906
baseline
▲ 0.50% · 4.625%
HK$31,482
+HK$1,576/mo
Deposit HK$621K · loan HK$5.59M · min. income ≈ HK$59,812/mo (50% DSR)
Upfront cash ≈ HK$778K (deposit + AVD stamp duty HK$156,375 · 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).