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$14,186
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,627
−HK$449/mo
Today · 4.125%
HK$15,076
baseline
▲ 0.50% · 4.625%
HK$15,993
+HK$917/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$30,152/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$157,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,782
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,205
−HK$430/mo
Today · 4.125%
HK$16,635
baseline
▲ 0.50% · 4.625%
HK$17,511
+HK$876/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$33,270/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$157,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,023
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$17,553
−HK$538/mo
Today · 4.125%
HK$18,091
baseline
▲ 0.50% · 4.625%
HK$19,192
+HK$1,101/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$36,182/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$157,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,938
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$19,446
−HK$516/mo
Today · 4.125%
HK$19,962
baseline
▲ 0.50% · 4.625%
HK$21,014
+HK$1,052/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$39,924/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$157,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,861
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$20,478
−HK$628/mo
Today · 4.125%
HK$21,106
baseline
▲ 0.50% · 4.625%
HK$22,390
+HK$1,284/mo
Deposit HK$1.87M · loan HK$4.35M · min. income ≈ HK$42,212/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$157,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,095
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$22,687
−HK$601/mo
Today · 4.125%
HK$23,288
baseline
▲ 0.50% · 4.625%
HK$24,516
+HK$1,228/mo
Deposit HK$1.87M · loan HK$4.35M · min. income ≈ HK$46,576/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$157,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,535
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$26,329
−HK$807/mo
Today · 4.125%
HK$27,136
baseline
▲ 0.50% · 4.625%
HK$28,788
+HK$1,652/mo
Deposit HK$622K · loan HK$5.60M · min. income ≈ HK$54,272/mo (50% DSR)
Upfront cash ≈ HK$779K (deposit + AVD stamp duty HK$157,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,407
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$29,169
−HK$773/mo
Today · 4.125%
HK$29,942
baseline
▲ 0.50% · 4.625%
HK$31,521
+HK$1,579/mo
Deposit HK$622K · loan HK$5.60M · min. income ≈ HK$59,884/mo (50% DSR)
Upfront cash ≈ HK$779K (deposit + AVD stamp duty HK$157,130 · 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).