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$14,200
−HK$891/mo
▼ 0.25% · 3.875%
HK$14,642
−HK$449/mo
Today · 4.125%
HK$15,091
baseline
▲ 0.50% · 4.625%
HK$16,009
+HK$918/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$30,182/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$157,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,798
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,221
−HK$430/mo
Today · 4.125%
HK$16,651
baseline
▲ 0.50% · 4.625%
HK$17,529
+HK$878/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$33,302/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$157,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,040
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$17,570
−HK$539/mo
Today · 4.125%
HK$18,109
baseline
▲ 0.50% · 4.625%
HK$19,211
+HK$1,102/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$36,218/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$157,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,957
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$19,466
−HK$515/mo
Today · 4.125%
HK$19,981
baseline
▲ 0.50% · 4.625%
HK$21,035
+HK$1,054/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$39,962/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$157,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,880
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$20,499
−HK$628/mo
Today · 4.125%
HK$21,127
baseline
▲ 0.50% · 4.625%
HK$22,413
+HK$1,286/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$42,254/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$157,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,117
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$22,710
−HK$602/mo
Today · 4.125%
HK$23,312
baseline
▲ 0.50% · 4.625%
HK$24,540
+HK$1,228/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$46,624/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$157,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,560
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$26,355
−HK$808/mo
Today · 4.125%
HK$27,163
baseline
▲ 0.50% · 4.625%
HK$28,816
+HK$1,653/mo
Deposit HK$623K · loan HK$5.60M · min. income ≈ HK$54,326/mo (50% DSR)
Upfront cash ≈ HK$780K (deposit + AVD stamp duty HK$157,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,436
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$29,198
−HK$774/mo
Today · 4.125%
HK$29,972
baseline
▲ 0.50% · 4.625%
HK$31,552
+HK$1,580/mo
Deposit HK$623K · loan HK$5.60M · min. income ≈ HK$59,944/mo (50% DSR)
Upfront cash ≈ HK$780K (deposit + AVD stamp duty HK$157,748 · 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).