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$14,167
−HK$888/mo
▼ 0.25% · 3.875%
HK$14,608
−HK$447/mo
Today · 4.125%
HK$15,055
baseline
▲ 0.50% · 4.625%
HK$15,972
+HK$917/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$30,110/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$156,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,761
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,183
−HK$429/mo
Today · 4.125%
HK$16,612
baseline
▲ 0.50% · 4.625%
HK$17,488
+HK$876/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$33,224/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$156,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,000
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$17,529
−HK$538/mo
Today · 4.125%
HK$18,067
baseline
▲ 0.50% · 4.625%
HK$19,166
+HK$1,099/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$36,134/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$156,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,913
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$19,420
−HK$515/mo
Today · 4.125%
HK$19,935
baseline
▲ 0.50% · 4.625%
HK$20,985
+HK$1,050/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$39,870/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$156,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,834
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$20,451
−HK$627/mo
Today · 4.125%
HK$21,078
baseline
▲ 0.50% · 4.625%
HK$22,360
+HK$1,282/mo
Deposit HK$1.86M · loan HK$4.35M · min. income ≈ HK$42,156/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$156,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,065
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$22,657
−HK$600/mo
Today · 4.125%
HK$23,257
baseline
▲ 0.50% · 4.625%
HK$24,483
+HK$1,226/mo
Deposit HK$1.86M · loan HK$4.35M · min. income ≈ HK$46,514/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$156,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,501
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$26,294
−HK$806/mo
Today · 4.125%
HK$27,100
baseline
▲ 0.50% · 4.625%
HK$28,749
+HK$1,649/mo
Deposit HK$621K · loan HK$5.59M · min. income ≈ HK$54,200/mo (50% DSR)
Upfront cash ≈ HK$778K (deposit + AVD stamp duty HK$156,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,369
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$29,130
−HK$772/mo
Today · 4.125%
HK$29,902
baseline
▲ 0.50% · 4.625%
HK$31,478
+HK$1,576/mo
Deposit HK$621K · loan HK$5.59M · min. income ≈ HK$59,804/mo (50% DSR)
Upfront cash ≈ HK$778K (deposit + AVD stamp duty HK$156,293 · 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).