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$14,355
−HK$900/mo
▼ 0.25% · 3.875%
HK$14,801
−HK$454/mo
Today · 4.125%
HK$15,255
baseline
▲ 0.50% · 4.625%
HK$16,183
+HK$928/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$30,510/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$164,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,970
−HK$862/mo
▼ 0.25% · 3.875%
HK$16,398
−HK$434/mo
Today · 4.125%
HK$16,832
baseline
▲ 0.50% · 4.625%
HK$17,720
+HK$888/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$33,664/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$164,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,226
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$17,762
−HK$544/mo
Today · 4.125%
HK$18,306
baseline
▲ 0.50% · 4.625%
HK$19,420
+HK$1,114/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$36,612/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$164,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,164
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$19,678
−HK$521/mo
Today · 4.125%
HK$20,199
baseline
▲ 0.50% · 4.625%
HK$21,264
+HK$1,065/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$40,398/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$164,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,097
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$20,722
−HK$635/mo
Today · 4.125%
HK$21,357
baseline
▲ 0.50% · 4.625%
HK$22,657
+HK$1,300/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$42,714/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$164,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,358
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$22,957
−HK$608/mo
Today · 4.125%
HK$23,565
baseline
▲ 0.50% · 4.625%
HK$24,808
+HK$1,243/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$47,130/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$164,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,839
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$26,643
−HK$816/mo
Today · 4.125%
HK$27,459
baseline
▲ 0.50% · 4.625%
HK$29,130
+HK$1,671/mo
Deposit HK$630K · loan HK$5.67M · min. income ≈ HK$54,918/mo (50% DSR)
Upfront cash ≈ HK$794K (deposit + AVD stamp duty HK$164,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,745
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$29,516
−HK$782/mo
Today · 4.125%
HK$30,298
baseline
▲ 0.50% · 4.625%
HK$31,896
+HK$1,598/mo
Deposit HK$630K · loan HK$5.67M · min. income ≈ HK$60,596/mo (50% DSR)
Upfront cash ≈ HK$794K (deposit + AVD stamp duty HK$164,530 · 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).