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$14,185
−HK$889/mo
▼ 0.25% · 3.875%
HK$14,626
−HK$448/mo
Today · 4.125%
HK$15,074
baseline
▲ 0.50% · 4.625%
HK$15,992
+HK$918/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$30,148/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$157,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,780
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,204
−HK$429/mo
Today · 4.125%
HK$16,633
baseline
▲ 0.50% · 4.625%
HK$17,510
+HK$877/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$33,266/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$157,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,022
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$17,551
−HK$538/mo
Today · 4.125%
HK$18,089
baseline
▲ 0.50% · 4.625%
HK$19,190
+HK$1,101/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$36,178/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$157,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,937
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$19,444
−HK$516/mo
Today · 4.125%
HK$19,960
baseline
▲ 0.50% · 4.625%
HK$21,012
+HK$1,052/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$39,920/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$157,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,859
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$20,477
−HK$627/mo
Today · 4.125%
HK$21,104
baseline
▲ 0.50% · 4.625%
HK$22,388
+HK$1,284/mo
Deposit HK$1.87M · loan HK$4.35M · min. income ≈ HK$42,208/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$157,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,093
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$22,685
−HK$601/mo
Today · 4.125%
HK$23,286
baseline
▲ 0.50% · 4.625%
HK$24,514
+HK$1,228/mo
Deposit HK$1.87M · loan HK$4.35M · min. income ≈ HK$46,572/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$157,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,533
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$26,327
−HK$807/mo
Today · 4.125%
HK$27,134
baseline
▲ 0.50% · 4.625%
HK$28,785
+HK$1,651/mo
Deposit HK$622K · loan HK$5.60M · min. income ≈ HK$54,268/mo (50% DSR)
Upfront cash ≈ HK$779K (deposit + AVD stamp duty HK$157,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,405
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$29,167
−HK$773/mo
Today · 4.125%
HK$29,940
baseline
▲ 0.50% · 4.625%
HK$31,518
+HK$1,578/mo
Deposit HK$622K · loan HK$5.60M · min. income ≈ HK$59,880/mo (50% DSR)
Upfront cash ≈ HK$779K (deposit + AVD stamp duty HK$157,073 · 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).