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$14,188
−HK$889/mo
▼ 0.25% · 3.875%
HK$14,629
−HK$448/mo
Today · 4.125%
HK$15,077
baseline
▲ 0.50% · 4.625%
HK$15,995
+HK$918/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$30,154/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$157,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,784
−HK$852/mo
▼ 0.25% · 3.875%
HK$16,207
−HK$429/mo
Today · 4.125%
HK$16,636
baseline
▲ 0.50% · 4.625%
HK$17,513
+HK$877/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$33,272/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$157,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,025
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$17,555
−HK$538/mo
Today · 4.125%
HK$18,093
baseline
▲ 0.50% · 4.625%
HK$19,194
+HK$1,101/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$36,186/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$157,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,940
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$19,448
−HK$516/mo
Today · 4.125%
HK$19,964
baseline
▲ 0.50% · 4.625%
HK$21,016
+HK$1,052/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$39,928/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$157,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,863
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$20,480
−HK$628/mo
Today · 4.125%
HK$21,108
baseline
▲ 0.50% · 4.625%
HK$22,393
+HK$1,285/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$42,216/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$157,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,097
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$22,690
−HK$601/mo
Today · 4.125%
HK$23,291
baseline
▲ 0.50% · 4.625%
HK$24,519
+HK$1,228/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$46,582/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$157,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,538
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$26,332
−HK$807/mo
Today · 4.125%
HK$27,139
baseline
▲ 0.50% · 4.625%
HK$28,790
+HK$1,651/mo
Deposit HK$622K · loan HK$5.60M · min. income ≈ HK$54,278/mo (50% DSR)
Upfront cash ≈ HK$779K (deposit + AVD stamp duty HK$157,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,410
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$29,172
−HK$773/mo
Today · 4.125%
HK$29,945
baseline
▲ 0.50% · 4.625%
HK$31,524
+HK$1,579/mo
Deposit HK$622K · loan HK$5.60M · min. income ≈ HK$59,890/mo (50% DSR)
Upfront cash ≈ HK$779K (deposit + AVD stamp duty HK$157,194 · 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).