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$14,366
−HK$901/mo
▼ 0.25% · 3.875%
HK$14,813
−HK$454/mo
Today · 4.125%
HK$15,267
baseline
▲ 0.50% · 4.625%
HK$16,196
+HK$929/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$30,534/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$165,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,982
−HK$864/mo
▼ 0.25% · 3.875%
HK$16,411
−HK$435/mo
Today · 4.125%
HK$16,846
baseline
▲ 0.50% · 4.625%
HK$17,734
+HK$888/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$33,692/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$165,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,240
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,776
−HK$545/mo
Today · 4.125%
HK$18,321
baseline
▲ 0.50% · 4.625%
HK$19,436
+HK$1,115/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$36,642/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$165,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,179
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$19,693
−HK$522/mo
Today · 4.125%
HK$20,215
baseline
▲ 0.50% · 4.625%
HK$21,281
+HK$1,066/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$40,430/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$165,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,113
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$20,739
−HK$635/mo
Today · 4.125%
HK$21,374
baseline
▲ 0.50% · 4.625%
HK$22,675
+HK$1,301/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$42,748/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$165,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,375
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$22,976
−HK$608/mo
Today · 4.125%
HK$23,584
baseline
▲ 0.50% · 4.625%
HK$24,827
+HK$1,243/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$47,168/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$165,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,860
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$26,664
−HK$817/mo
Today · 4.125%
HK$27,481
baseline
▲ 0.50% · 4.625%
HK$29,153
+HK$1,672/mo
Deposit HK$630K · loan HK$5.67M · min. income ≈ HK$54,962/mo (50% DSR)
Upfront cash ≈ HK$795K (deposit + AVD stamp duty HK$165,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,768
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$29,540
−HK$783/mo
Today · 4.125%
HK$30,323
baseline
▲ 0.50% · 4.625%
HK$31,921
+HK$1,598/mo
Deposit HK$630K · loan HK$5.67M · min. income ≈ HK$60,646/mo (50% DSR)
Upfront cash ≈ HK$795K (deposit + AVD stamp duty HK$165,035 · 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).