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$14,170
−HK$889/mo
▼ 0.25% · 3.875%
HK$14,611
−HK$448/mo
Today · 4.125%
HK$15,059
baseline
▲ 0.50% · 4.625%
HK$15,975
+HK$916/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$30,118/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$156,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,764
−HK$852/mo
▼ 0.25% · 3.875%
HK$16,187
−HK$429/mo
Today · 4.125%
HK$16,616
baseline
▲ 0.50% · 4.625%
HK$17,492
+HK$876/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$33,232/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$156,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,005
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$17,533
−HK$538/mo
Today · 4.125%
HK$18,071
baseline
▲ 0.50% · 4.625%
HK$19,170
+HK$1,099/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$36,142/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$156,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,917
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$19,425
−HK$514/mo
Today · 4.125%
HK$19,939
baseline
▲ 0.50% · 4.625%
HK$20,990
+HK$1,051/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$39,878/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$156,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,839
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$20,456
−HK$627/mo
Today · 4.125%
HK$21,083
baseline
▲ 0.50% · 4.625%
HK$22,366
+HK$1,283/mo
Deposit HK$1.86M · loan HK$4.35M · min. income ≈ HK$42,166/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$156,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,070
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$22,662
−HK$601/mo
Today · 4.125%
HK$23,263
baseline
▲ 0.50% · 4.625%
HK$24,489
+HK$1,226/mo
Deposit HK$1.86M · loan HK$4.35M · min. income ≈ HK$46,526/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$156,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,507
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$26,300
−HK$806/mo
Today · 4.125%
HK$27,106
baseline
▲ 0.50% · 4.625%
HK$28,756
+HK$1,650/mo
Deposit HK$621K · loan HK$5.59M · min. income ≈ HK$54,212/mo (50% DSR)
Upfront cash ≈ HK$778K (deposit + AVD stamp duty HK$156,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,376
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$29,137
−HK$772/mo
Today · 4.125%
HK$29,909
baseline
▲ 0.50% · 4.625%
HK$31,486
+HK$1,577/mo
Deposit HK$621K · loan HK$5.59M · min. income ≈ HK$59,818/mo (50% DSR)
Upfront cash ≈ HK$778K (deposit + AVD stamp duty HK$156,441 · 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).