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$14,310
−HK$898/mo
▼ 0.25% · 3.875%
HK$14,755
−HK$453/mo
Today · 4.125%
HK$15,208
baseline
▲ 0.50% · 4.625%
HK$16,133
+HK$925/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$30,416/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$162,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,920
−HK$860/mo
▼ 0.25% · 3.875%
HK$16,347
−HK$433/mo
Today · 4.125%
HK$16,780
baseline
▲ 0.50% · 4.625%
HK$17,665
+HK$885/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$33,560/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$162,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,172
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$17,707
−HK$542/mo
Today · 4.125%
HK$18,249
baseline
▲ 0.50% · 4.625%
HK$19,360
+HK$1,111/mo
Deposit HK$2.51M · loan HK$3.77M · min. income ≈ HK$36,498/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$162,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,104
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$19,616
−HK$520/mo
Today · 4.125%
HK$20,136
baseline
▲ 0.50% · 4.625%
HK$21,198
+HK$1,062/mo
Deposit HK$2.51M · loan HK$3.77M · min. income ≈ HK$40,272/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$162,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,034
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$20,658
−HK$633/mo
Today · 4.125%
HK$21,291
baseline
▲ 0.50% · 4.625%
HK$22,586
+HK$1,295/mo
Deposit HK$1.88M · loan HK$4.39M · min. income ≈ HK$42,582/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$162,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,288
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$22,886
−HK$606/mo
Today · 4.125%
HK$23,492
baseline
▲ 0.50% · 4.625%
HK$24,731
+HK$1,239/mo
Deposit HK$1.88M · loan HK$4.39M · min. income ≈ HK$46,984/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$162,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,759
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$26,560
−HK$814/mo
Today · 4.125%
HK$27,374
baseline
▲ 0.50% · 4.625%
HK$29,040
+HK$1,666/mo
Deposit HK$628K · loan HK$5.65M · min. income ≈ HK$54,748/mo (50% DSR)
Upfront cash ≈ HK$790K (deposit + AVD stamp duty HK$162,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,656
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$29,425
−HK$779/mo
Today · 4.125%
HK$30,204
baseline
▲ 0.50% · 4.625%
HK$31,797
+HK$1,593/mo
Deposit HK$628K · loan HK$5.65M · min. income ≈ HK$60,408/mo (50% DSR)
Upfront cash ≈ HK$790K (deposit + AVD stamp duty HK$162,576 · 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).