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$14,308
−HK$898/mo
▼ 0.25% · 3.875%
HK$14,753
−HK$453/mo
Today · 4.125%
HK$15,206
baseline
▲ 0.50% · 4.625%
HK$16,131
+HK$925/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$30,412/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$162,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,918
−HK$860/mo
▼ 0.25% · 3.875%
HK$16,345
−HK$433/mo
Today · 4.125%
HK$16,778
baseline
▲ 0.50% · 4.625%
HK$17,662
+HK$884/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$33,556/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$162,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,170
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$17,704
−HK$543/mo
Today · 4.125%
HK$18,247
baseline
▲ 0.50% · 4.625%
HK$19,357
+HK$1,110/mo
Deposit HK$2.51M · loan HK$3.76M · min. income ≈ HK$36,494/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$162,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,101
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$19,614
−HK$519/mo
Today · 4.125%
HK$20,133
baseline
▲ 0.50% · 4.625%
HK$21,195
+HK$1,062/mo
Deposit HK$2.51M · loan HK$3.76M · min. income ≈ HK$40,266/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$162,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,032
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$20,655
−HK$633/mo
Today · 4.125%
HK$21,288
baseline
▲ 0.50% · 4.625%
HK$22,583
+HK$1,295/mo
Deposit HK$1.88M · loan HK$4.39M · min. income ≈ HK$42,576/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$162,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,285
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$22,883
−HK$606/mo
Today · 4.125%
HK$23,489
baseline
▲ 0.50% · 4.625%
HK$24,727
+HK$1,238/mo
Deposit HK$1.88M · loan HK$4.39M · min. income ≈ HK$46,978/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$162,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,755
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$26,556
−HK$814/mo
Today · 4.125%
HK$27,370
baseline
▲ 0.50% · 4.625%
HK$29,036
+HK$1,666/mo
Deposit HK$627K · loan HK$5.65M · min. income ≈ HK$54,740/mo (50% DSR)
Upfront cash ≈ HK$790K (deposit + AVD stamp duty HK$162,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,652
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$29,421
−HK$779/mo
Today · 4.125%
HK$30,200
baseline
▲ 0.50% · 4.625%
HK$31,792
+HK$1,592/mo
Deposit HK$627K · loan HK$5.65M · min. income ≈ HK$60,400/mo (50% DSR)
Upfront cash ≈ HK$790K (deposit + AVD stamp duty HK$162,489 · 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).