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$14,204
−HK$891/mo
▼ 0.25% · 3.875%
HK$14,646
−HK$449/mo
Today · 4.125%
HK$15,095
baseline
▲ 0.50% · 4.625%
HK$16,013
+HK$918/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$30,190/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$157,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,802
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,226
−HK$429/mo
Today · 4.125%
HK$16,655
baseline
▲ 0.50% · 4.625%
HK$17,533
+HK$878/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$33,310/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$157,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,045
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$17,575
−HK$539/mo
Today · 4.125%
HK$18,114
baseline
▲ 0.50% · 4.625%
HK$19,216
+HK$1,102/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$36,228/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$157,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,962
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,471
−HK$516/mo
Today · 4.125%
HK$19,987
baseline
▲ 0.50% · 4.625%
HK$21,040
+HK$1,053/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$39,974/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$157,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,886
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$20,504
−HK$629/mo
Today · 4.125%
HK$21,133
baseline
▲ 0.50% · 4.625%
HK$22,418
+HK$1,285/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$42,266/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$157,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,122
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,716
−HK$602/mo
Today · 4.125%
HK$23,318
baseline
▲ 0.50% · 4.625%
HK$24,547
+HK$1,229/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$46,636/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$157,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,567
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$26,362
−HK$808/mo
Today · 4.125%
HK$27,170
baseline
▲ 0.50% · 4.625%
HK$28,824
+HK$1,654/mo
Deposit HK$623K · loan HK$5.61M · min. income ≈ HK$54,340/mo (50% DSR)
Upfront cash ≈ HK$781K (deposit + AVD stamp duty HK$157,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,443
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$29,206
−HK$774/mo
Today · 4.125%
HK$29,980
baseline
▲ 0.50% · 4.625%
HK$31,560
+HK$1,580/mo
Deposit HK$623K · loan HK$5.61M · min. income ≈ HK$59,960/mo (50% DSR)
Upfront cash ≈ HK$781K (deposit + AVD stamp duty HK$157,912 · 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).