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$14,171
−HK$888/mo
▼ 0.25% · 3.875%
HK$14,611
−HK$448/mo
Today · 4.125%
HK$15,059
baseline
▲ 0.50% · 4.625%
HK$15,976
+HK$917/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$30,118/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$156,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,765
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,187
−HK$429/mo
Today · 4.125%
HK$16,616
baseline
▲ 0.50% · 4.625%
HK$17,492
+HK$876/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$33,232/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$156,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,005
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$17,534
−HK$537/mo
Today · 4.125%
HK$18,071
baseline
▲ 0.50% · 4.625%
HK$19,171
+HK$1,100/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$36,142/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$156,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,918
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$19,425
−HK$515/mo
Today · 4.125%
HK$19,940
baseline
▲ 0.50% · 4.625%
HK$20,991
+HK$1,051/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$39,880/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$156,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,839
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$20,456
−HK$627/mo
Today · 4.125%
HK$21,083
baseline
▲ 0.50% · 4.625%
HK$22,366
+HK$1,283/mo
Deposit HK$1.86M · loan HK$4.35M · min. income ≈ HK$42,166/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$156,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,071
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$22,662
−HK$601/mo
Today · 4.125%
HK$23,263
baseline
▲ 0.50% · 4.625%
HK$24,489
+HK$1,226/mo
Deposit HK$1.86M · loan HK$4.35M · min. income ≈ HK$46,526/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$156,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,507
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$26,301
−HK$806/mo
Today · 4.125%
HK$27,107
baseline
▲ 0.50% · 4.625%
HK$28,756
+HK$1,649/mo
Deposit HK$621K · loan HK$5.59M · min. income ≈ HK$54,214/mo (50% DSR)
Upfront cash ≈ HK$778K (deposit + AVD stamp duty HK$156,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,376
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,137
−HK$773/mo
Today · 4.125%
HK$29,910
baseline
▲ 0.50% · 4.625%
HK$31,486
+HK$1,576/mo
Deposit HK$621K · loan HK$5.59M · min. income ≈ HK$59,820/mo (50% DSR)
Upfront cash ≈ HK$778K (deposit + AVD stamp duty HK$156,450 · 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).