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$14,181
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,622
−HK$449/mo
Today · 4.125%
HK$15,071
baseline
▲ 0.50% · 4.625%
HK$15,988
+HK$917/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$30,142/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$156,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,777
−HK$852/mo
▼ 0.25% · 3.875%
HK$16,200
−HK$429/mo
Today · 4.125%
HK$16,629
baseline
▲ 0.50% · 4.625%
HK$17,505
+HK$876/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$33,258/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$156,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,018
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$17,547
−HK$538/mo
Today · 4.125%
HK$18,085
baseline
▲ 0.50% · 4.625%
HK$19,185
+HK$1,100/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$36,170/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$156,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,932
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$19,440
−HK$515/mo
Today · 4.125%
HK$19,955
baseline
▲ 0.50% · 4.625%
HK$21,006
+HK$1,051/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$39,910/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$156,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,854
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$20,471
−HK$628/mo
Today · 4.125%
HK$21,099
baseline
▲ 0.50% · 4.625%
HK$22,383
+HK$1,284/mo
Deposit HK$1.87M · loan HK$4.35M · min. income ≈ HK$42,198/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$156,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,087
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$22,679
−HK$601/mo
Today · 4.125%
HK$23,280
baseline
▲ 0.50% · 4.625%
HK$24,508
+HK$1,228/mo
Deposit HK$1.87M · loan HK$4.35M · min. income ≈ HK$46,560/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$156,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,526
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$26,320
−HK$807/mo
Today · 4.125%
HK$27,127
baseline
▲ 0.50% · 4.625%
HK$28,778
+HK$1,651/mo
Deposit HK$622K · loan HK$5.60M · min. income ≈ HK$54,254/mo (50% DSR)
Upfront cash ≈ HK$779K (deposit + AVD stamp duty HK$156,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,398
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,159
−HK$773/mo
Today · 4.125%
HK$29,932
baseline
▲ 0.50% · 4.625%
HK$31,510
+HK$1,578/mo
Deposit HK$622K · loan HK$5.60M · min. income ≈ HK$59,864/mo (50% DSR)
Upfront cash ≈ HK$779K (deposit + AVD stamp duty HK$156,916 · 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).