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$14,392
−HK$903/mo
▼ 0.25% · 3.875%
HK$14,840
−HK$455/mo
Today · 4.125%
HK$15,295
baseline
▲ 0.50% · 4.625%
HK$16,226
+HK$931/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$30,590/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$166,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,011
−HK$865/mo
▼ 0.25% · 3.875%
HK$16,441
−HK$435/mo
Today · 4.125%
HK$16,876
baseline
▲ 0.50% · 4.625%
HK$17,766
+HK$890/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$33,752/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$166,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,271
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$17,808
−HK$546/mo
Today · 4.125%
HK$18,354
baseline
▲ 0.50% · 4.625%
HK$19,471
+HK$1,117/mo
Deposit HK$2.52M · loan HK$3.79M · min. income ≈ HK$36,708/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$166,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,214
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$19,729
−HK$523/mo
Today · 4.125%
HK$20,252
baseline
▲ 0.50% · 4.625%
HK$21,319
+HK$1,067/mo
Deposit HK$2.52M · loan HK$3.79M · min. income ≈ HK$40,504/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$166,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,149
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$20,776
−HK$637/mo
Today · 4.125%
HK$21,413
baseline
▲ 0.50% · 4.625%
HK$22,716
+HK$1,303/mo
Deposit HK$1.89M · loan HK$4.42M · min. income ≈ HK$42,826/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$166,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,416
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,017
−HK$610/mo
Today · 4.125%
HK$23,627
baseline
▲ 0.50% · 4.625%
HK$24,872
+HK$1,245/mo
Deposit HK$1.89M · loan HK$4.42M · min. income ≈ HK$47,254/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$166,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,906
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$26,712
−HK$819/mo
Today · 4.125%
HK$27,531
baseline
▲ 0.50% · 4.625%
HK$29,206
+HK$1,675/mo
Deposit HK$631K · loan HK$5.68M · min. income ≈ HK$55,062/mo (50% DSR)
Upfront cash ≈ HK$797K (deposit + AVD stamp duty HK$166,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,820
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$29,593
−HK$785/mo
Today · 4.125%
HK$30,378
baseline
▲ 0.50% · 4.625%
HK$31,979
+HK$1,601/mo
Deposit HK$631K · loan HK$5.68M · min. income ≈ HK$60,756/mo (50% DSR)
Upfront cash ≈ HK$797K (deposit + AVD stamp duty HK$166,173 · 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).