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$14,177
−HK$889/mo
▼ 0.25% · 3.875%
HK$14,618
−HK$448/mo
Today · 4.125%
HK$15,066
baseline
▲ 0.50% · 4.625%
HK$15,983
+HK$917/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$30,132/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$156,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,772
−HK$852/mo
▼ 0.25% · 3.875%
HK$16,195
−HK$429/mo
Today · 4.125%
HK$16,624
baseline
▲ 0.50% · 4.625%
HK$17,501
+HK$877/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$33,248/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$156,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,013
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$17,542
−HK$538/mo
Today · 4.125%
HK$18,080
baseline
▲ 0.50% · 4.625%
HK$19,180
+HK$1,100/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$36,160/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$156,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,927
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$19,434
−HK$515/mo
Today · 4.125%
HK$19,949
baseline
▲ 0.50% · 4.625%
HK$21,001
+HK$1,052/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$39,898/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$156,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,848
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$20,466
−HK$627/mo
Today · 4.125%
HK$21,093
baseline
▲ 0.50% · 4.625%
HK$22,376
+HK$1,283/mo
Deposit HK$1.87M · loan HK$4.35M · min. income ≈ HK$42,186/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$156,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,081
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$22,673
−HK$601/mo
Today · 4.125%
HK$23,274
baseline
▲ 0.50% · 4.625%
HK$24,501
+HK$1,227/mo
Deposit HK$1.87M · loan HK$4.35M · min. income ≈ HK$46,548/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$156,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,519
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$26,313
−HK$807/mo
Today · 4.125%
HK$27,120
baseline
▲ 0.50% · 4.625%
HK$28,770
+HK$1,650/mo
Deposit HK$622K · loan HK$5.60M · min. income ≈ HK$54,240/mo (50% DSR)
Upfront cash ≈ HK$778K (deposit + AVD stamp duty HK$156,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,390
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,151
−HK$773/mo
Today · 4.125%
HK$29,924
baseline
▲ 0.50% · 4.625%
HK$31,501
+HK$1,577/mo
Deposit HK$622K · loan HK$5.60M · min. income ≈ HK$59,848/mo (50% DSR)
Upfront cash ≈ HK$778K (deposit + AVD stamp duty HK$156,744 · 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).