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$14,335
−HK$899/mo
▼ 0.25% · 3.875%
HK$14,781
−HK$453/mo
Today · 4.125%
HK$15,234
baseline
▲ 0.50% · 4.625%
HK$16,161
+HK$927/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$30,468/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$163,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,948
−HK$861/mo
▼ 0.25% · 3.875%
HK$16,375
−HK$434/mo
Today · 4.125%
HK$16,809
baseline
▲ 0.50% · 4.625%
HK$17,695
+HK$886/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$33,618/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$163,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,202
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$17,737
−HK$544/mo
Today · 4.125%
HK$18,281
baseline
▲ 0.50% · 4.625%
HK$19,393
+HK$1,112/mo
Deposit HK$2.51M · loan HK$3.77M · min. income ≈ HK$36,562/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$163,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,137
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$19,650
−HK$521/mo
Today · 4.125%
HK$20,171
baseline
▲ 0.50% · 4.625%
HK$21,234
+HK$1,063/mo
Deposit HK$2.51M · loan HK$3.77M · min. income ≈ HK$40,342/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$163,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,069
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$20,693
−HK$635/mo
Today · 4.125%
HK$21,328
baseline
▲ 0.50% · 4.625%
HK$22,625
+HK$1,297/mo
Deposit HK$1.89M · loan HK$4.40M · min. income ≈ HK$42,656/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$163,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,327
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$22,925
−HK$608/mo
Today · 4.125%
HK$23,533
baseline
▲ 0.50% · 4.625%
HK$24,773
+HK$1,240/mo
Deposit HK$1.89M · loan HK$4.40M · min. income ≈ HK$47,066/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$163,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,803
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$26,606
−HK$815/mo
Today · 4.125%
HK$27,421
baseline
▲ 0.50% · 4.625%
HK$29,090
+HK$1,669/mo
Deposit HK$629K · loan HK$5.66M · min. income ≈ HK$54,842/mo (50% DSR)
Upfront cash ≈ HK$792K (deposit + AVD stamp duty HK$163,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,706
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$29,475
−HK$781/mo
Today · 4.125%
HK$30,256
baseline
▲ 0.50% · 4.625%
HK$31,851
+HK$1,595/mo
Deposit HK$629K · loan HK$5.66M · min. income ≈ HK$60,512/mo (50% DSR)
Upfront cash ≈ HK$792K (deposit + AVD stamp duty HK$163,658 · 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).