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$14,184
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,625
−HK$449/mo
Today · 4.125%
HK$15,074
baseline
▲ 0.50% · 4.625%
HK$15,991
+HK$917/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$30,148/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$157,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,780
−HK$852/mo
▼ 0.25% · 3.875%
HK$16,203
−HK$429/mo
Today · 4.125%
HK$16,632
baseline
▲ 0.50% · 4.625%
HK$17,509
+HK$877/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$33,264/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$157,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,021
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$17,550
−HK$538/mo
Today · 4.125%
HK$18,088
baseline
▲ 0.50% · 4.625%
HK$19,189
+HK$1,101/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$36,176/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$157,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,936
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$19,443
−HK$516/mo
Today · 4.125%
HK$19,959
baseline
▲ 0.50% · 4.625%
HK$21,011
+HK$1,052/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$39,918/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$157,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,858
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$20,475
−HK$628/mo
Today · 4.125%
HK$21,103
baseline
▲ 0.50% · 4.625%
HK$22,387
+HK$1,284/mo
Deposit HK$1.87M · loan HK$4.35M · min. income ≈ HK$42,206/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$157,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,091
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$22,684
−HK$601/mo
Today · 4.125%
HK$23,285
baseline
▲ 0.50% · 4.625%
HK$24,512
+HK$1,227/mo
Deposit HK$1.87M · loan HK$4.35M · min. income ≈ HK$46,570/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$157,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,531
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$26,325
−HK$807/mo
Today · 4.125%
HK$27,132
baseline
▲ 0.50% · 4.625%
HK$28,783
+HK$1,651/mo
Deposit HK$622K · loan HK$5.60M · min. income ≈ HK$54,264/mo (50% DSR)
Upfront cash ≈ HK$779K (deposit + AVD stamp duty HK$157,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,403
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$29,165
−HK$773/mo
Today · 4.125%
HK$29,938
baseline
▲ 0.50% · 4.625%
HK$31,516
+HK$1,578/mo
Deposit HK$622K · loan HK$5.60M · min. income ≈ HK$59,876/mo (50% DSR)
Upfront cash ≈ HK$779K (deposit + AVD stamp duty HK$157,039 · 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).