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$14,199
−HK$891/mo
▼ 0.25% · 3.875%
HK$14,641
−HK$449/mo
Today · 4.125%
HK$15,090
baseline
▲ 0.50% · 4.625%
HK$16,008
+HK$918/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$30,180/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$157,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,797
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,220
−HK$430/mo
Today · 4.125%
HK$16,650
baseline
▲ 0.50% · 4.625%
HK$17,528
+HK$878/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$33,300/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$157,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,039
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$17,569
−HK$539/mo
Today · 4.125%
HK$18,108
baseline
▲ 0.50% · 4.625%
HK$19,210
+HK$1,102/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$36,216/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$157,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,956
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$19,464
−HK$516/mo
Today · 4.125%
HK$19,980
baseline
▲ 0.50% · 4.625%
HK$21,033
+HK$1,053/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$39,960/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$157,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,879
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$20,497
−HK$629/mo
Today · 4.125%
HK$21,126
baseline
▲ 0.50% · 4.625%
HK$22,411
+HK$1,285/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$42,252/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$157,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,115
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$22,708
−HK$602/mo
Today · 4.125%
HK$23,310
baseline
▲ 0.50% · 4.625%
HK$24,539
+HK$1,229/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$46,620/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$157,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,559
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$26,354
−HK$808/mo
Today · 4.125%
HK$27,162
baseline
▲ 0.50% · 4.625%
HK$28,814
+HK$1,652/mo
Deposit HK$623K · loan HK$5.60M · min. income ≈ HK$54,324/mo (50% DSR)
Upfront cash ≈ HK$780K (deposit + AVD stamp duty HK$157,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,434
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$29,197
−HK$773/mo
Today · 4.125%
HK$29,970
baseline
▲ 0.50% · 4.625%
HK$31,550
+HK$1,580/mo
Deposit HK$623K · loan HK$5.60M · min. income ≈ HK$59,940/mo (50% DSR)
Upfront cash ≈ HK$780K (deposit + AVD stamp duty HK$157,710 · 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).