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$14,395
−HK$903/mo
▼ 0.25% · 3.875%
HK$14,843
−HK$455/mo
Today · 4.125%
HK$15,298
baseline
▲ 0.50% · 4.625%
HK$16,229
+HK$931/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$30,596/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$166,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,015
−HK$865/mo
▼ 0.25% · 3.875%
HK$16,444
−HK$436/mo
Today · 4.125%
HK$16,880
baseline
▲ 0.50% · 4.625%
HK$17,770
+HK$890/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$33,760/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$166,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,274
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$17,812
−HK$546/mo
Today · 4.125%
HK$18,358
baseline
▲ 0.50% · 4.625%
HK$19,475
+HK$1,117/mo
Deposit HK$2.53M · loan HK$3.79M · min. income ≈ HK$36,716/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$166,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,218
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$19,733
−HK$523/mo
Today · 4.125%
HK$20,256
baseline
▲ 0.50% · 4.625%
HK$21,324
+HK$1,068/mo
Deposit HK$2.53M · loan HK$3.79M · min. income ≈ HK$40,512/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$166,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,153
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$20,780
−HK$637/mo
Today · 4.125%
HK$21,417
baseline
▲ 0.50% · 4.625%
HK$22,720
+HK$1,303/mo
Deposit HK$1.89M · loan HK$4.42M · min. income ≈ HK$42,834/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$166,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,421
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,022
−HK$610/mo
Today · 4.125%
HK$23,632
baseline
▲ 0.50% · 4.625%
HK$24,877
+HK$1,245/mo
Deposit HK$1.89M · loan HK$4.42M · min. income ≈ HK$47,264/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$166,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,912
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$26,718
−HK$818/mo
Today · 4.125%
HK$27,536
baseline
▲ 0.50% · 4.625%
HK$29,212
+HK$1,676/mo
Deposit HK$631K · loan HK$5.68M · min. income ≈ HK$55,072/mo (50% DSR)
Upfront cash ≈ HK$798K (deposit + AVD stamp duty HK$166,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,826
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$29,599
−HK$785/mo
Today · 4.125%
HK$30,384
baseline
▲ 0.50% · 4.625%
HK$31,985
+HK$1,601/mo
Deposit HK$631K · loan HK$5.68M · min. income ≈ HK$60,768/mo (50% DSR)
Upfront cash ≈ HK$798K (deposit + AVD stamp duty HK$166,303 · 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).