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$14,197
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,639
−HK$448/mo
Today · 4.125%
HK$15,087
baseline
▲ 0.50% · 4.625%
HK$16,005
+HK$918/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$30,174/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$157,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,794
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,218
−HK$429/mo
Today · 4.125%
HK$16,647
baseline
▲ 0.50% · 4.625%
HK$17,525
+HK$878/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$33,294/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$157,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,036
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$17,566
−HK$539/mo
Today · 4.125%
HK$18,105
baseline
▲ 0.50% · 4.625%
HK$19,206
+HK$1,101/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$36,210/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$157,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,953
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$19,461
−HK$516/mo
Today · 4.125%
HK$19,977
baseline
▲ 0.50% · 4.625%
HK$21,030
+HK$1,053/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$39,954/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$157,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,876
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$20,494
−HK$628/mo
Today · 4.125%
HK$21,122
baseline
▲ 0.50% · 4.625%
HK$22,408
+HK$1,286/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$42,244/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$157,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,112
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$22,705
−HK$601/mo
Today · 4.125%
HK$23,306
baseline
▲ 0.50% · 4.625%
HK$24,535
+HK$1,229/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$46,612/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$157,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,555
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$26,350
−HK$807/mo
Today · 4.125%
HK$27,157
baseline
▲ 0.50% · 4.625%
HK$28,810
+HK$1,653/mo
Deposit HK$623K · loan HK$5.60M · min. income ≈ HK$54,314/mo (50% DSR)
Upfront cash ≈ HK$780K (deposit + AVD stamp duty HK$157,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,429
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$29,192
−HK$773/mo
Today · 4.125%
HK$29,965
baseline
▲ 0.50% · 4.625%
HK$31,545
+HK$1,580/mo
Deposit HK$623K · loan HK$5.60M · min. income ≈ HK$59,930/mo (50% DSR)
Upfront cash ≈ HK$780K (deposit + AVD stamp duty HK$157,609 · 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).