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$14,368
−HK$901/mo
▼ 0.25% · 3.875%
HK$14,814
−HK$455/mo
Today · 4.125%
HK$15,269
baseline
▲ 0.50% · 4.625%
HK$16,198
+HK$929/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$30,538/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$165,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,984
−HK$863/mo
▼ 0.25% · 3.875%
HK$16,412
−HK$435/mo
Today · 4.125%
HK$16,847
baseline
▲ 0.50% · 4.625%
HK$17,735
+HK$888/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$33,694/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$165,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,241
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,777
−HK$545/mo
Today · 4.125%
HK$18,322
baseline
▲ 0.50% · 4.625%
HK$19,437
+HK$1,115/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$36,644/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$165,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,181
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$19,695
−HK$522/mo
Today · 4.125%
HK$20,217
baseline
▲ 0.50% · 4.625%
HK$21,282
+HK$1,065/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$40,434/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$165,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,115
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$20,740
−HK$636/mo
Today · 4.125%
HK$21,376
baseline
▲ 0.50% · 4.625%
HK$22,677
+HK$1,301/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$42,752/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$165,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,377
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$22,977
−HK$609/mo
Today · 4.125%
HK$23,586
baseline
▲ 0.50% · 4.625%
HK$24,830
+HK$1,244/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$47,172/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$165,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,862
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$26,666
−HK$817/mo
Today · 4.125%
HK$27,483
baseline
▲ 0.50% · 4.625%
HK$29,156
+HK$1,673/mo
Deposit HK$630K · loan HK$5.67M · min. income ≈ HK$54,966/mo (50% DSR)
Upfront cash ≈ HK$795K (deposit + AVD stamp duty HK$165,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,771
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,542
−HK$783/mo
Today · 4.125%
HK$30,325
baseline
▲ 0.50% · 4.625%
HK$31,924
+HK$1,599/mo
Deposit HK$630K · loan HK$5.67M · min. income ≈ HK$60,650/mo (50% DSR)
Upfront cash ≈ HK$795K (deposit + AVD stamp duty HK$165,087 · 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).