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$14,815
−HK$454/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$165,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,985
−HK$863/mo
▼ 0.25% · 3.875%
HK$16,413
−HK$435/mo
Today · 4.125%
HK$16,848
baseline
▲ 0.50% · 4.625%
HK$17,736
+HK$888/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$33,696/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$165,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,242
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,778
−HK$545/mo
Today · 4.125%
HK$18,323
baseline
▲ 0.50% · 4.625%
HK$19,438
+HK$1,115/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$36,646/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$165,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,181
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$19,696
−HK$522/mo
Today · 4.125%
HK$20,218
baseline
▲ 0.50% · 4.625%
HK$21,283
+HK$1,065/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$40,436/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$165,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,116
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$20,741
−HK$636/mo
Today · 4.125%
HK$21,377
baseline
▲ 0.50% · 4.625%
HK$22,678
+HK$1,301/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$42,754/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$165,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,378
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$22,978
−HK$609/mo
Today · 4.125%
HK$23,587
baseline
▲ 0.50% · 4.625%
HK$24,831
+HK$1,244/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$47,174/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$165,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,863
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,667
−HK$818/mo
Today · 4.125%
HK$27,485
baseline
▲ 0.50% · 4.625%
HK$29,157
+HK$1,672/mo
Deposit HK$630K · loan HK$5.67M · min. income ≈ HK$54,970/mo (50% DSR)
Upfront cash ≈ HK$795K (deposit + AVD stamp duty HK$165,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,772
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$29,544
−HK$783/mo
Today · 4.125%
HK$30,327
baseline
▲ 0.50% · 4.625%
HK$31,925
+HK$1,598/mo
Deposit HK$630K · loan HK$5.67M · min. income ≈ HK$60,654/mo (50% DSR)
Upfront cash ≈ HK$795K (deposit + AVD stamp duty HK$165,115 · 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).