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$14,180
−HK$889/mo
▼ 0.25% · 3.875%
HK$14,621
−HK$448/mo
Today · 4.125%
HK$15,069
baseline
▲ 0.50% · 4.625%
HK$15,986
+HK$917/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$30,138/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$156,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,775
−HK$852/mo
▼ 0.25% · 3.875%
HK$16,198
−HK$429/mo
Today · 4.125%
HK$16,627
baseline
▲ 0.50% · 4.625%
HK$17,503
+HK$876/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$33,254/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$156,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,015
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$17,545
−HK$537/mo
Today · 4.125%
HK$18,082
baseline
▲ 0.50% · 4.625%
HK$19,183
+HK$1,101/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$36,164/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$156,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,929
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$19,437
−HK$515/mo
Today · 4.125%
HK$19,952
baseline
▲ 0.50% · 4.625%
HK$21,004
+HK$1,052/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$39,904/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$156,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,851
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$20,469
−HK$627/mo
Today · 4.125%
HK$21,096
baseline
▲ 0.50% · 4.625%
HK$22,380
+HK$1,284/mo
Deposit HK$1.87M · loan HK$4.35M · min. income ≈ HK$42,192/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$156,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,084
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$22,677
−HK$601/mo
Today · 4.125%
HK$23,278
baseline
▲ 0.50% · 4.625%
HK$24,505
+HK$1,227/mo
Deposit HK$1.87M · loan HK$4.35M · min. income ≈ HK$46,556/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$156,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,523
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$26,317
−HK$807/mo
Today · 4.125%
HK$27,124
baseline
▲ 0.50% · 4.625%
HK$28,774
+HK$1,650/mo
Deposit HK$622K · loan HK$5.60M · min. income ≈ HK$54,248/mo (50% DSR)
Upfront cash ≈ HK$779K (deposit + AVD stamp duty HK$156,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,394
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,156
−HK$772/mo
Today · 4.125%
HK$29,928
baseline
▲ 0.50% · 4.625%
HK$31,506
+HK$1,578/mo
Deposit HK$622K · loan HK$5.60M · min. income ≈ HK$59,856/mo (50% DSR)
Upfront cash ≈ HK$779K (deposit + AVD stamp duty HK$156,839 · 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).