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$14,400
−HK$903/mo
▼ 0.25% · 3.875%
HK$14,848
−HK$455/mo
Today · 4.125%
HK$15,303
baseline
▲ 0.50% · 4.625%
HK$16,234
+HK$931/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$30,606/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$166,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,020
−HK$865/mo
▼ 0.25% · 3.875%
HK$16,450
−HK$435/mo
Today · 4.125%
HK$16,885
baseline
▲ 0.50% · 4.625%
HK$17,775
+HK$890/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$33,770/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$166,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,280
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$17,818
−HK$546/mo
Today · 4.125%
HK$18,364
baseline
▲ 0.50% · 4.625%
HK$19,481
+HK$1,117/mo
Deposit HK$2.53M · loan HK$3.79M · min. income ≈ HK$36,728/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$166,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,224
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$19,739
−HK$523/mo
Today · 4.125%
HK$20,262
baseline
▲ 0.50% · 4.625%
HK$21,331
+HK$1,069/mo
Deposit HK$2.53M · loan HK$3.79M · min. income ≈ HK$40,524/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$166,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,160
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$20,787
−HK$637/mo
Today · 4.125%
HK$21,424
baseline
▲ 0.50% · 4.625%
HK$22,728
+HK$1,304/mo
Deposit HK$1.89M · loan HK$4.42M · min. income ≈ HK$42,848/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$166,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,428
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$23,029
−HK$611/mo
Today · 4.125%
HK$23,640
baseline
▲ 0.50% · 4.625%
HK$24,886
+HK$1,246/mo
Deposit HK$1.89M · loan HK$4.42M · min. income ≈ HK$47,280/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$166,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,920
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$26,726
−HK$819/mo
Today · 4.125%
HK$27,545
baseline
▲ 0.50% · 4.625%
HK$29,222
+HK$1,677/mo
Deposit HK$632K · loan HK$5.68M · min. income ≈ HK$55,090/mo (50% DSR)
Upfront cash ≈ HK$798K (deposit + AVD stamp duty HK$166,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,836
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$29,609
−HK$785/mo
Today · 4.125%
HK$30,394
baseline
▲ 0.50% · 4.625%
HK$31,996
+HK$1,602/mo
Deposit HK$632K · loan HK$5.68M · min. income ≈ HK$60,788/mo (50% DSR)
Upfront cash ≈ HK$798K (deposit + AVD stamp duty HK$166,510 · 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).