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$14,205
−HK$891/mo
▼ 0.25% · 3.875%
HK$14,647
−HK$449/mo
Today · 4.125%
HK$15,096
baseline
▲ 0.50% · 4.625%
HK$16,014
+HK$918/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$30,192/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$157,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,803
−HK$854/mo
▼ 0.25% · 3.875%
HK$16,227
−HK$430/mo
Today · 4.125%
HK$16,657
baseline
▲ 0.50% · 4.625%
HK$17,535
+HK$878/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$33,314/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$157,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,046
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$17,576
−HK$539/mo
Today · 4.125%
HK$18,115
baseline
▲ 0.50% · 4.625%
HK$19,217
+HK$1,102/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$36,230/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$157,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,963
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,472
−HK$516/mo
Today · 4.125%
HK$19,988
baseline
▲ 0.50% · 4.625%
HK$21,042
+HK$1,054/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$39,976/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$157,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,887
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$20,505
−HK$629/mo
Today · 4.125%
HK$21,134
baseline
▲ 0.50% · 4.625%
HK$22,420
+HK$1,286/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$42,268/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$157,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,124
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$22,717
−HK$602/mo
Today · 4.125%
HK$23,319
baseline
▲ 0.50% · 4.625%
HK$24,548
+HK$1,229/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$46,638/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$157,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,569
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$26,364
−HK$808/mo
Today · 4.125%
HK$27,172
baseline
▲ 0.50% · 4.625%
HK$28,826
+HK$1,654/mo
Deposit HK$623K · loan HK$5.61M · min. income ≈ HK$54,344/mo (50% DSR)
Upfront cash ≈ HK$781K (deposit + AVD stamp duty HK$157,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,445
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$29,208
−HK$774/mo
Today · 4.125%
HK$29,982
baseline
▲ 0.50% · 4.625%
HK$31,562
+HK$1,580/mo
Deposit HK$623K · loan HK$5.61M · min. income ≈ HK$59,964/mo (50% DSR)
Upfront cash ≈ HK$781K (deposit + AVD stamp duty HK$157,954 · 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).