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$14,174
−HK$889/mo
▼ 0.25% · 3.875%
HK$14,615
−HK$448/mo
Today · 4.125%
HK$15,063
baseline
▲ 0.50% · 4.625%
HK$15,980
+HK$917/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$30,126/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$156,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,769
−HK$852/mo
▼ 0.25% · 3.875%
HK$16,192
−HK$429/mo
Today · 4.125%
HK$16,621
baseline
▲ 0.50% · 4.625%
HK$17,497
+HK$876/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$33,242/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$156,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,009
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$17,538
−HK$538/mo
Today · 4.125%
HK$18,076
baseline
▲ 0.50% · 4.625%
HK$19,176
+HK$1,100/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$36,152/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$156,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,923
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$19,430
−HK$515/mo
Today · 4.125%
HK$19,945
baseline
▲ 0.50% · 4.625%
HK$20,996
+HK$1,051/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$39,890/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$156,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,844
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$20,461
−HK$628/mo
Today · 4.125%
HK$21,089
baseline
▲ 0.50% · 4.625%
HK$22,372
+HK$1,283/mo
Deposit HK$1.86M · loan HK$4.35M · min. income ≈ HK$42,178/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$156,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,076
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$22,669
−HK$600/mo
Today · 4.125%
HK$23,269
baseline
▲ 0.50% · 4.625%
HK$24,496
+HK$1,227/mo
Deposit HK$1.86M · loan HK$4.35M · min. income ≈ HK$46,538/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$156,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,514
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$26,308
−HK$806/mo
Today · 4.125%
HK$27,114
baseline
▲ 0.50% · 4.625%
HK$28,764
+HK$1,650/mo
Deposit HK$622K · loan HK$5.59M · min. income ≈ HK$54,228/mo (50% DSR)
Upfront cash ≈ HK$778K (deposit + AVD stamp duty HK$156,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,384
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,145
−HK$773/mo
Today · 4.125%
HK$29,918
baseline
▲ 0.50% · 4.625%
HK$31,495
+HK$1,577/mo
Deposit HK$622K · loan HK$5.59M · min. income ≈ HK$59,836/mo (50% DSR)
Upfront cash ≈ HK$778K (deposit + AVD stamp duty HK$156,616 · 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).