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$14,204
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,645
−HK$449/mo
Today · 4.125%
HK$15,094
baseline
▲ 0.50% · 4.625%
HK$16,013
+HK$919/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$30,188/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$157,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,801
−HK$854/mo
▼ 0.25% · 3.875%
HK$16,225
−HK$430/mo
Today · 4.125%
HK$16,655
baseline
▲ 0.50% · 4.625%
HK$17,533
+HK$878/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$33,310/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$157,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,044
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$17,574
−HK$539/mo
Today · 4.125%
HK$18,113
baseline
▲ 0.50% · 4.625%
HK$19,215
+HK$1,102/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$36,226/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$157,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,962
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$19,470
−HK$516/mo
Today · 4.125%
HK$19,986
baseline
▲ 0.50% · 4.625%
HK$21,039
+HK$1,053/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$39,972/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$157,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,885
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$20,503
−HK$629/mo
Today · 4.125%
HK$21,132
baseline
▲ 0.50% · 4.625%
HK$22,418
+HK$1,286/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$42,264/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$157,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,122
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$22,715
−HK$602/mo
Today · 4.125%
HK$23,317
baseline
▲ 0.50% · 4.625%
HK$24,546
+HK$1,229/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$46,634/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$157,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,566
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,362
−HK$808/mo
Today · 4.125%
HK$27,170
baseline
▲ 0.50% · 4.625%
HK$28,823
+HK$1,653/mo
Deposit HK$623K · loan HK$5.61M · min. income ≈ HK$54,340/mo (50% DSR)
Upfront cash ≈ HK$781K (deposit + AVD stamp duty HK$157,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,442
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$29,205
−HK$774/mo
Today · 4.125%
HK$29,979
baseline
▲ 0.50% · 4.625%
HK$31,559
+HK$1,580/mo
Deposit HK$623K · loan HK$5.61M · min. income ≈ HK$59,958/mo (50% DSR)
Upfront cash ≈ HK$781K (deposit + AVD stamp duty HK$157,893 · 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).