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$14,187
−HK$889/mo
▼ 0.25% · 3.875%
HK$14,628
−HK$448/mo
Today · 4.125%
HK$15,076
baseline
▲ 0.50% · 4.625%
HK$15,994
+HK$918/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$157,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,783
−HK$852/mo
▼ 0.25% · 3.875%
HK$16,206
−HK$429/mo
Today · 4.125%
HK$16,635
baseline
▲ 0.50% · 4.625%
HK$17,512
+HK$877/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$157,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,024
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$17,554
−HK$538/mo
Today · 4.125%
HK$18,092
baseline
▲ 0.50% · 4.625%
HK$19,192
+HK$1,100/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$36,184/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$157,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,939
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$19,447
−HK$515/mo
Today · 4.125%
HK$19,962
baseline
▲ 0.50% · 4.625%
HK$21,015
+HK$1,053/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$157,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,861
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$20,479
−HK$628/mo
Today · 4.125%
HK$21,107
baseline
▲ 0.50% · 4.625%
HK$22,391
+HK$1,284/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$42,214/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$157,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,096
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$22,688
−HK$601/mo
Today · 4.125%
HK$23,289
baseline
▲ 0.50% · 4.625%
HK$24,517
+HK$1,228/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$46,578/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$157,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,536
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$26,330
−HK$807/mo
Today · 4.125%
HK$27,137
baseline
▲ 0.50% · 4.625%
HK$28,789
+HK$1,652/mo
Deposit HK$622K · loan HK$5.60M · min. income ≈ HK$54,274/mo (50% DSR)
Upfront cash ≈ HK$779K (deposit + AVD stamp duty HK$157,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,409
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,170
−HK$773/mo
Today · 4.125%
HK$29,943
baseline
▲ 0.50% · 4.625%
HK$31,522
+HK$1,579/mo
Deposit HK$622K · loan HK$5.60M · min. income ≈ HK$59,886/mo (50% DSR)
Upfront cash ≈ HK$779K (deposit + AVD stamp duty HK$157,153 · 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).