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$14,180
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,621
−HK$449/mo
Today · 4.125%
HK$15,070
baseline
▲ 0.50% · 4.625%
HK$15,986
+HK$916/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$30,140/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$156,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,775
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,199
−HK$429/mo
Today · 4.125%
HK$16,628
baseline
▲ 0.50% · 4.625%
HK$17,504
+HK$876/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$33,256/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$156,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,016
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$17,546
−HK$537/mo
Today · 4.125%
HK$18,083
baseline
▲ 0.50% · 4.625%
HK$19,184
+HK$1,101/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$36,166/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$156,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,931
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$19,438
−HK$515/mo
Today · 4.125%
HK$19,953
baseline
▲ 0.50% · 4.625%
HK$21,005
+HK$1,052/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$39,906/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$156,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,852
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$20,470
−HK$627/mo
Today · 4.125%
HK$21,097
baseline
▲ 0.50% · 4.625%
HK$22,381
+HK$1,284/mo
Deposit HK$1.87M · loan HK$4.35M · min. income ≈ HK$42,194/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$156,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,086
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$22,678
−HK$601/mo
Today · 4.125%
HK$23,279
baseline
▲ 0.50% · 4.625%
HK$24,506
+HK$1,227/mo
Deposit HK$1.87M · loan HK$4.35M · min. income ≈ HK$46,558/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$156,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,525
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$26,319
−HK$806/mo
Today · 4.125%
HK$27,125
baseline
▲ 0.50% · 4.625%
HK$28,776
+HK$1,651/mo
Deposit HK$622K · loan HK$5.60M · min. income ≈ HK$54,250/mo (50% DSR)
Upfront cash ≈ HK$779K (deposit + AVD stamp duty HK$156,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,396
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,157
−HK$773/mo
Today · 4.125%
HK$29,930
baseline
▲ 0.50% · 4.625%
HK$31,508
+HK$1,578/mo
Deposit HK$622K · loan HK$5.60M · min. income ≈ HK$59,860/mo (50% DSR)
Upfront cash ≈ HK$779K (deposit + AVD stamp duty HK$156,874 · 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).