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$14,161
−HK$888/mo
▼ 0.25% · 3.875%
HK$14,601
−HK$448/mo
Today · 4.125%
HK$15,049
baseline
▲ 0.50% · 4.625%
HK$15,964
+HK$915/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$30,098/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$156,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,754
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,176
−HK$429/mo
Today · 4.125%
HK$16,605
baseline
▲ 0.50% · 4.625%
HK$17,480
+HK$875/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$33,210/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$156,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,993
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$17,522
−HK$537/mo
Today · 4.125%
HK$18,059
baseline
▲ 0.50% · 4.625%
HK$19,157
+HK$1,098/mo
Deposit HK$2.48M · loan HK$3.73M · min. income ≈ HK$36,118/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$156,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,905
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$19,412
−HK$514/mo
Today · 4.125%
HK$19,926
baseline
▲ 0.50% · 4.625%
HK$20,976
+HK$1,050/mo
Deposit HK$2.48M · loan HK$3.73M · min. income ≈ HK$39,852/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$156,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,825
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$20,442
−HK$626/mo
Today · 4.125%
HK$21,068
baseline
▲ 0.50% · 4.625%
HK$22,350
+HK$1,282/mo
Deposit HK$1.86M · loan HK$4.35M · min. income ≈ HK$42,136/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$156,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,055
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$22,647
−HK$600/mo
Today · 4.125%
HK$23,247
baseline
▲ 0.50% · 4.625%
HK$24,472
+HK$1,225/mo
Deposit HK$1.86M · loan HK$4.35M · min. income ≈ HK$46,494/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$156,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,489
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$26,282
−HK$806/mo
Today · 4.125%
HK$27,088
baseline
▲ 0.50% · 4.625%
HK$28,736
+HK$1,648/mo
Deposit HK$621K · loan HK$5.59M · min. income ≈ HK$54,176/mo (50% DSR)
Upfront cash ≈ HK$777K (deposit + AVD stamp duty HK$156,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,357
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$29,117
−HK$772/mo
Today · 4.125%
HK$29,889
baseline
▲ 0.50% · 4.625%
HK$31,464
+HK$1,575/mo
Deposit HK$621K · loan HK$5.59M · min. income ≈ HK$59,778/mo (50% DSR)
Upfront cash ≈ HK$777K (deposit + AVD stamp duty HK$156,018 · 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).