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$14,189
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,631
−HK$448/mo
Today · 4.125%
HK$15,079
baseline
▲ 0.50% · 4.625%
HK$15,996
+HK$917/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$30,158/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$157,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,785
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,209
−HK$429/mo
Today · 4.125%
HK$16,638
baseline
▲ 0.50% · 4.625%
HK$17,515
+HK$877/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$33,276/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$157,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,027
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$17,557
−HK$538/mo
Today · 4.125%
HK$18,095
baseline
▲ 0.50% · 4.625%
HK$19,196
+HK$1,101/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$36,190/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$157,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,942
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$19,450
−HK$516/mo
Today · 4.125%
HK$19,966
baseline
▲ 0.50% · 4.625%
HK$21,018
+HK$1,052/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$39,932/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$157,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,865
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$20,483
−HK$628/mo
Today · 4.125%
HK$21,111
baseline
▲ 0.50% · 4.625%
HK$22,395
+HK$1,284/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$42,222/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$157,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,099
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$22,692
−HK$601/mo
Today · 4.125%
HK$23,293
baseline
▲ 0.50% · 4.625%
HK$24,521
+HK$1,228/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$46,586/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$157,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,540
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$26,335
−HK$807/mo
Today · 4.125%
HK$27,142
baseline
▲ 0.50% · 4.625%
HK$28,794
+HK$1,652/mo
Deposit HK$622K · loan HK$5.60M · min. income ≈ HK$54,284/mo (50% DSR)
Upfront cash ≈ HK$780K (deposit + AVD stamp duty HK$157,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,414
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$29,176
−HK$773/mo
Today · 4.125%
HK$29,949
baseline
▲ 0.50% · 4.625%
HK$31,527
+HK$1,578/mo
Deposit HK$622K · loan HK$5.60M · min. income ≈ HK$59,898/mo (50% DSR)
Upfront cash ≈ HK$780K (deposit + AVD stamp duty HK$157,262 · 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).