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$14,191
−HK$889/mo
▼ 0.25% · 3.875%
HK$14,632
−HK$448/mo
Today · 4.125%
HK$15,080
baseline
▲ 0.50% · 4.625%
HK$15,998
+HK$918/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$30,160/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$157,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,787
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,210
−HK$430/mo
Today · 4.125%
HK$16,640
baseline
▲ 0.50% · 4.625%
HK$17,517
+HK$877/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$33,280/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$157,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,029
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$17,558
−HK$539/mo
Today · 4.125%
HK$18,097
baseline
▲ 0.50% · 4.625%
HK$19,198
+HK$1,101/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$36,194/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$157,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,944
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$19,452
−HK$516/mo
Today · 4.125%
HK$19,968
baseline
▲ 0.50% · 4.625%
HK$21,020
+HK$1,052/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$39,936/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$157,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,867
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$20,485
−HK$628/mo
Today · 4.125%
HK$21,113
baseline
▲ 0.50% · 4.625%
HK$22,397
+HK$1,284/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$42,226/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$157,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,102
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$22,694
−HK$602/mo
Today · 4.125%
HK$23,296
baseline
▲ 0.50% · 4.625%
HK$24,524
+HK$1,228/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$46,592/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$157,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,543
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$26,338
−HK$807/mo
Today · 4.125%
HK$27,145
baseline
▲ 0.50% · 4.625%
HK$28,796
+HK$1,651/mo
Deposit HK$622K · loan HK$5.60M · min. income ≈ HK$54,290/mo (50% DSR)
Upfront cash ≈ HK$780K (deposit + AVD stamp duty HK$157,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,416
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$29,178
−HK$774/mo
Today · 4.125%
HK$29,952
baseline
▲ 0.50% · 4.625%
HK$31,530
+HK$1,578/mo
Deposit HK$622K · loan HK$5.60M · min. income ≈ HK$59,904/mo (50% DSR)
Upfront cash ≈ HK$780K (deposit + AVD stamp duty HK$157,324 · 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).