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$14,169
−HK$889/mo
▼ 0.25% · 3.875%
HK$14,610
−HK$448/mo
Today · 4.125%
HK$15,058
baseline
▲ 0.50% · 4.625%
HK$15,974
+HK$916/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$30,116/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$156,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,763
−HK$852/mo
▼ 0.25% · 3.875%
HK$16,186
−HK$429/mo
Today · 4.125%
HK$16,615
baseline
▲ 0.50% · 4.625%
HK$17,490
+HK$875/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$33,230/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$156,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,003
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$17,532
−HK$537/mo
Today · 4.125%
HK$18,069
baseline
▲ 0.50% · 4.625%
HK$19,169
+HK$1,100/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$36,138/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$156,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,916
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$19,423
−HK$515/mo
Today · 4.125%
HK$19,938
baseline
▲ 0.50% · 4.625%
HK$20,989
+HK$1,051/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$39,876/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$156,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,837
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$20,454
−HK$627/mo
Today · 4.125%
HK$21,081
baseline
▲ 0.50% · 4.625%
HK$22,363
+HK$1,282/mo
Deposit HK$1.86M · loan HK$4.35M · min. income ≈ HK$42,162/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$156,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,068
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$22,660
−HK$601/mo
Today · 4.125%
HK$23,261
baseline
▲ 0.50% · 4.625%
HK$24,487
+HK$1,226/mo
Deposit HK$1.86M · loan HK$4.35M · min. income ≈ HK$46,522/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$156,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,504
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$26,298
−HK$806/mo
Today · 4.125%
HK$27,104
baseline
▲ 0.50% · 4.625%
HK$28,753
+HK$1,649/mo
Deposit HK$621K · loan HK$5.59M · min. income ≈ HK$54,208/mo (50% DSR)
Upfront cash ≈ HK$778K (deposit + AVD stamp duty HK$156,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,373
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$29,134
−HK$772/mo
Today · 4.125%
HK$29,906
baseline
▲ 0.50% · 4.625%
HK$31,483
+HK$1,577/mo
Deposit HK$621K · loan HK$5.59M · min. income ≈ HK$59,812/mo (50% DSR)
Upfront cash ≈ HK$778K (deposit + AVD stamp duty HK$156,385 · 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).