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$14,163
−HK$888/mo
▼ 0.25% · 3.875%
HK$14,603
−HK$448/mo
Today · 4.125%
HK$15,051
baseline
▲ 0.50% · 4.625%
HK$15,966
+HK$915/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$30,102/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$156,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,756
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,178
−HK$429/mo
Today · 4.125%
HK$16,607
baseline
▲ 0.50% · 4.625%
HK$17,482
+HK$875/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$33,214/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$156,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,995
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$17,524
−HK$537/mo
Today · 4.125%
HK$18,061
baseline
▲ 0.50% · 4.625%
HK$19,160
+HK$1,099/mo
Deposit HK$2.48M · loan HK$3.73M · min. income ≈ HK$36,122/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$156,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,907
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$19,414
−HK$514/mo
Today · 4.125%
HK$19,928
baseline
▲ 0.50% · 4.625%
HK$20,979
+HK$1,051/mo
Deposit HK$2.48M · loan HK$3.73M · min. income ≈ HK$39,856/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$156,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,828
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$20,444
−HK$627/mo
Today · 4.125%
HK$21,071
baseline
▲ 0.50% · 4.625%
HK$22,353
+HK$1,282/mo
Deposit HK$1.86M · loan HK$4.35M · min. income ≈ HK$42,142/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$156,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,058
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$22,650
−HK$600/mo
Today · 4.125%
HK$23,250
baseline
▲ 0.50% · 4.625%
HK$24,475
+HK$1,225/mo
Deposit HK$1.86M · loan HK$4.35M · min. income ≈ HK$46,500/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$156,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,493
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$26,286
−HK$805/mo
Today · 4.125%
HK$27,091
baseline
▲ 0.50% · 4.625%
HK$28,740
+HK$1,649/mo
Deposit HK$621K · loan HK$5.59M · min. income ≈ HK$54,182/mo (50% DSR)
Upfront cash ≈ HK$777K (deposit + AVD stamp duty HK$156,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,360
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$29,121
−HK$771/mo
Today · 4.125%
HK$29,892
baseline
▲ 0.50% · 4.625%
HK$31,468
+HK$1,576/mo
Deposit HK$621K · loan HK$5.59M · min. income ≈ HK$59,784/mo (50% DSR)
Upfront cash ≈ HK$777K (deposit + AVD stamp duty HK$156,094 · 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).