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$14,194
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,636
−HK$448/mo
Today · 4.125%
HK$15,084
baseline
▲ 0.50% · 4.625%
HK$16,002
+HK$918/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$30,168/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$157,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,791
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,215
−HK$429/mo
Today · 4.125%
HK$16,644
baseline
▲ 0.50% · 4.625%
HK$17,522
+HK$878/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$33,288/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$157,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,033
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$17,563
−HK$538/mo
Today · 4.125%
HK$18,101
baseline
▲ 0.50% · 4.625%
HK$19,203
+HK$1,102/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$36,202/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$157,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,949
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$19,458
−HK$515/mo
Today · 4.125%
HK$19,973
baseline
▲ 0.50% · 4.625%
HK$21,026
+HK$1,053/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$39,946/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$157,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,872
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$20,490
−HK$628/mo
Today · 4.125%
HK$21,118
baseline
▲ 0.50% · 4.625%
HK$22,403
+HK$1,285/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$42,236/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$157,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,108
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$22,700
−HK$602/mo
Today · 4.125%
HK$23,302
baseline
▲ 0.50% · 4.625%
HK$24,530
+HK$1,228/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$46,604/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$157,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,550
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$26,345
−HK$807/mo
Today · 4.125%
HK$27,152
baseline
▲ 0.50% · 4.625%
HK$28,804
+HK$1,652/mo
Deposit HK$622K · loan HK$5.60M · min. income ≈ HK$54,304/mo (50% DSR)
Upfront cash ≈ HK$780K (deposit + AVD stamp duty HK$157,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,424
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$29,186
−HK$774/mo
Today · 4.125%
HK$29,960
baseline
▲ 0.50% · 4.625%
HK$31,539
+HK$1,579/mo
Deposit HK$622K · loan HK$5.60M · min. income ≈ HK$59,920/mo (50% DSR)
Upfront cash ≈ HK$780K (deposit + AVD stamp duty HK$157,490 · 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).