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$14,201
−HK$891/mo
▼ 0.25% · 3.875%
HK$14,643
−HK$449/mo
Today · 4.125%
HK$15,092
baseline
▲ 0.50% · 4.625%
HK$16,010
+HK$918/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$30,184/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$157,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,799
−HK$854/mo
▼ 0.25% · 3.875%
HK$16,223
−HK$430/mo
Today · 4.125%
HK$16,653
baseline
▲ 0.50% · 4.625%
HK$17,530
+HK$877/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$33,306/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$157,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,042
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$17,572
−HK$538/mo
Today · 4.125%
HK$18,110
baseline
▲ 0.50% · 4.625%
HK$19,212
+HK$1,102/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$36,220/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$157,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,959
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$19,467
−HK$516/mo
Today · 4.125%
HK$19,983
baseline
▲ 0.50% · 4.625%
HK$21,036
+HK$1,053/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$39,966/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$157,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,882
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$20,501
−HK$628/mo
Today · 4.125%
HK$21,129
baseline
▲ 0.50% · 4.625%
HK$22,415
+HK$1,286/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$42,258/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$157,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,119
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$22,712
−HK$602/mo
Today · 4.125%
HK$23,314
baseline
▲ 0.50% · 4.625%
HK$24,543
+HK$1,229/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$46,628/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$157,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,563
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$26,358
−HK$808/mo
Today · 4.125%
HK$27,166
baseline
▲ 0.50% · 4.625%
HK$28,819
+HK$1,653/mo
Deposit HK$623K · loan HK$5.61M · min. income ≈ HK$54,332/mo (50% DSR)
Upfront cash ≈ HK$781K (deposit + AVD stamp duty HK$157,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,438
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$29,201
−HK$774/mo
Today · 4.125%
HK$29,975
baseline
▲ 0.50% · 4.625%
HK$31,555
+HK$1,580/mo
Deposit HK$623K · loan HK$5.61M · min. income ≈ HK$59,950/mo (50% DSR)
Upfront cash ≈ HK$781K (deposit + AVD stamp duty HK$157,803 · 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).