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$14,176
−HK$889/mo
▼ 0.25% · 3.875%
HK$14,617
−HK$448/mo
Today · 4.125%
HK$15,065
baseline
▲ 0.50% · 4.625%
HK$15,981
+HK$916/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$30,130/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$156,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,770
−HK$852/mo
▼ 0.25% · 3.875%
HK$16,193
−HK$429/mo
Today · 4.125%
HK$16,622
baseline
▲ 0.50% · 4.625%
HK$17,498
+HK$876/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$33,244/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$156,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,011
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$17,540
−HK$538/mo
Today · 4.125%
HK$18,078
baseline
▲ 0.50% · 4.625%
HK$19,177
+HK$1,099/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$36,156/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$156,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,924
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$19,432
−HK$515/mo
Today · 4.125%
HK$19,947
baseline
▲ 0.50% · 4.625%
HK$20,998
+HK$1,051/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$39,894/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$156,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,846
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$20,463
−HK$627/mo
Today · 4.125%
HK$21,090
baseline
▲ 0.50% · 4.625%
HK$22,374
+HK$1,284/mo
Deposit HK$1.87M · loan HK$4.35M · min. income ≈ HK$42,180/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$156,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,078
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$22,671
−HK$600/mo
Today · 4.125%
HK$23,271
baseline
▲ 0.50% · 4.625%
HK$24,498
+HK$1,227/mo
Deposit HK$1.87M · loan HK$4.35M · min. income ≈ HK$46,542/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$156,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,516
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$26,310
−HK$806/mo
Today · 4.125%
HK$27,116
baseline
▲ 0.50% · 4.625%
HK$28,766
+HK$1,650/mo
Deposit HK$622K · loan HK$5.60M · min. income ≈ HK$54,232/mo (50% DSR)
Upfront cash ≈ HK$778K (deposit + AVD stamp duty HK$156,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,387
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$29,148
−HK$772/mo
Today · 4.125%
HK$29,920
baseline
▲ 0.50% · 4.625%
HK$31,497
+HK$1,577/mo
Deposit HK$622K · loan HK$5.60M · min. income ≈ HK$59,840/mo (50% DSR)
Upfront cash ≈ HK$778K (deposit + AVD stamp duty HK$156,670 · 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).