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$14,178
−HK$889/mo
▼ 0.25% · 3.875%
HK$14,619
−HK$448/mo
Today · 4.125%
HK$15,067
baseline
▲ 0.50% · 4.625%
HK$15,984
+HK$917/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$30,134/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$156,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,773
−HK$852/mo
▼ 0.25% · 3.875%
HK$16,196
−HK$429/mo
Today · 4.125%
HK$16,625
baseline
▲ 0.50% · 4.625%
HK$17,502
+HK$877/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$33,250/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$156,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,014
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$17,543
−HK$538/mo
Today · 4.125%
HK$18,081
baseline
▲ 0.50% · 4.625%
HK$19,181
+HK$1,100/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$36,162/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$156,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,928
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$19,436
−HK$515/mo
Today · 4.125%
HK$19,951
baseline
▲ 0.50% · 4.625%
HK$21,002
+HK$1,051/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$39,902/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$156,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,850
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$20,467
−HK$627/mo
Today · 4.125%
HK$21,094
baseline
▲ 0.50% · 4.625%
HK$22,378
+HK$1,284/mo
Deposit HK$1.87M · loan HK$4.35M · min. income ≈ HK$42,188/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$156,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,083
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$22,675
−HK$601/mo
Today · 4.125%
HK$23,276
baseline
▲ 0.50% · 4.625%
HK$24,502
+HK$1,226/mo
Deposit HK$1.87M · loan HK$4.35M · min. income ≈ HK$46,552/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$156,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,521
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$26,315
−HK$806/mo
Today · 4.125%
HK$27,121
baseline
▲ 0.50% · 4.625%
HK$28,772
+HK$1,651/mo
Deposit HK$622K · loan HK$5.60M · min. income ≈ HK$54,242/mo (50% DSR)
Upfront cash ≈ HK$779K (deposit + AVD stamp duty HK$156,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,392
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,153
−HK$773/mo
Today · 4.125%
HK$29,926
baseline
▲ 0.50% · 4.625%
HK$31,503
+HK$1,577/mo
Deposit HK$622K · loan HK$5.60M · min. income ≈ HK$59,852/mo (50% DSR)
Upfront cash ≈ HK$779K (deposit + AVD stamp duty HK$156,787 · 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).