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$14,165
−HK$888/mo
▼ 0.25% · 3.875%
HK$14,605
−HK$448/mo
Today · 4.125%
HK$15,053
baseline
▲ 0.50% · 4.625%
HK$15,969
+HK$916/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$30,106/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$156,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,758
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,181
−HK$428/mo
Today · 4.125%
HK$16,609
baseline
▲ 0.50% · 4.625%
HK$17,485
+HK$876/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$33,218/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$156,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,997
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$17,526
−HK$537/mo
Today · 4.125%
HK$18,063
baseline
▲ 0.50% · 4.625%
HK$19,162
+HK$1,099/mo
Deposit HK$2.48M · loan HK$3.73M · min. income ≈ HK$36,126/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$156,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,910
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$19,417
−HK$514/mo
Today · 4.125%
HK$19,931
baseline
▲ 0.50% · 4.625%
HK$20,982
+HK$1,051/mo
Deposit HK$2.48M · loan HK$3.73M · min. income ≈ HK$39,862/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$156,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,830
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$20,447
−HK$627/mo
Today · 4.125%
HK$21,074
baseline
▲ 0.50% · 4.625%
HK$22,356
+HK$1,282/mo
Deposit HK$1.86M · loan HK$4.35M · min. income ≈ HK$42,148/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$156,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,061
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$22,653
−HK$600/mo
Today · 4.125%
HK$23,253
baseline
▲ 0.50% · 4.625%
HK$24,479
+HK$1,226/mo
Deposit HK$1.86M · loan HK$4.35M · min. income ≈ HK$46,506/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$156,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,496
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$26,289
−HK$806/mo
Today · 4.125%
HK$27,095
baseline
▲ 0.50% · 4.625%
HK$28,744
+HK$1,649/mo
Deposit HK$621K · loan HK$5.59M · min. income ≈ HK$54,190/mo (50% DSR)
Upfront cash ≈ HK$777K (deposit + AVD stamp duty HK$156,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,364
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$29,125
−HK$772/mo
Today · 4.125%
HK$29,897
baseline
▲ 0.50% · 4.625%
HK$31,473
+HK$1,576/mo
Deposit HK$621K · loan HK$5.59M · min. income ≈ HK$59,794/mo (50% DSR)
Upfront cash ≈ HK$777K (deposit + AVD stamp duty HK$156,183 · 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).