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$14,188
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,629
−HK$449/mo
Today · 4.125%
HK$15,078
baseline
▲ 0.50% · 4.625%
HK$15,995
+HK$917/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$30,156/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$157,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,784
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,207
−HK$430/mo
Today · 4.125%
HK$16,637
baseline
▲ 0.50% · 4.625%
HK$17,514
+HK$877/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$33,274/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$157,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,026
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$17,555
−HK$538/mo
Today · 4.125%
HK$18,093
baseline
▲ 0.50% · 4.625%
HK$19,194
+HK$1,101/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$36,186/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$157,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,941
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$19,449
−HK$515/mo
Today · 4.125%
HK$19,964
baseline
▲ 0.50% · 4.625%
HK$21,016
+HK$1,052/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$39,928/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$157,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,863
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$20,481
−HK$628/mo
Today · 4.125%
HK$21,109
baseline
▲ 0.50% · 4.625%
HK$22,393
+HK$1,284/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$42,218/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$157,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,098
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$22,690
−HK$601/mo
Today · 4.125%
HK$23,291
baseline
▲ 0.50% · 4.625%
HK$24,519
+HK$1,228/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$46,582/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$157,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,538
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$26,333
−HK$807/mo
Today · 4.125%
HK$27,140
baseline
▲ 0.50% · 4.625%
HK$28,791
+HK$1,651/mo
Deposit HK$622K · loan HK$5.60M · min. income ≈ HK$54,280/mo (50% DSR)
Upfront cash ≈ HK$779K (deposit + AVD stamp duty HK$157,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,411
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$29,173
−HK$773/mo
Today · 4.125%
HK$29,946
baseline
▲ 0.50% · 4.625%
HK$31,525
+HK$1,579/mo
Deposit HK$622K · loan HK$5.60M · min. income ≈ HK$59,892/mo (50% DSR)
Upfront cash ≈ HK$779K (deposit + AVD stamp duty HK$157,209 · 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).