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$14,206
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,648
−HK$448/mo
Today · 4.125%
HK$15,096
baseline
▲ 0.50% · 4.625%
HK$16,015
+HK$919/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$30,192/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$157,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,804
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,227
−HK$430/mo
Today · 4.125%
HK$16,657
baseline
▲ 0.50% · 4.625%
HK$17,535
+HK$878/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$33,314/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$157,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,047
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$17,577
−HK$539/mo
Today · 4.125%
HK$18,116
baseline
▲ 0.50% · 4.625%
HK$19,218
+HK$1,102/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$36,232/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$157,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,964
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,473
−HK$516/mo
Today · 4.125%
HK$19,989
baseline
▲ 0.50% · 4.625%
HK$21,043
+HK$1,054/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$39,978/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$157,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,888
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$20,507
−HK$628/mo
Today · 4.125%
HK$21,135
baseline
▲ 0.50% · 4.625%
HK$22,421
+HK$1,286/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$42,270/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$157,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,125
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$22,718
−HK$602/mo
Today · 4.125%
HK$23,320
baseline
▲ 0.50% · 4.625%
HK$24,550
+HK$1,230/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$46,640/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$157,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,570
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,366
−HK$808/mo
Today · 4.125%
HK$27,174
baseline
▲ 0.50% · 4.625%
HK$28,827
+HK$1,653/mo
Deposit HK$623K · loan HK$5.61M · min. income ≈ HK$54,348/mo (50% DSR)
Upfront cash ≈ HK$781K (deposit + AVD stamp duty HK$157,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,447
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$29,209
−HK$774/mo
Today · 4.125%
HK$29,983
baseline
▲ 0.50% · 4.625%
HK$31,564
+HK$1,581/mo
Deposit HK$623K · loan HK$5.61M · min. income ≈ HK$59,966/mo (50% DSR)
Upfront cash ≈ HK$781K (deposit + AVD stamp duty HK$157,985 · 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).