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$14,321
−HK$898/mo
▼ 0.25% · 3.875%
HK$14,767
−HK$452/mo
Today · 4.125%
HK$15,219
baseline
▲ 0.50% · 4.625%
HK$16,145
+HK$926/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$30,438/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$163,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,932
−HK$861/mo
▼ 0.25% · 3.875%
HK$16,359
−HK$434/mo
Today · 4.125%
HK$16,793
baseline
▲ 0.50% · 4.625%
HK$17,678
+HK$885/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$33,586/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$163,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,185
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$17,720
−HK$543/mo
Today · 4.125%
HK$18,263
baseline
▲ 0.50% · 4.625%
HK$19,374
+HK$1,111/mo
Deposit HK$2.51M · loan HK$3.77M · min. income ≈ HK$36,526/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$163,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,119
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$19,631
−HK$520/mo
Today · 4.125%
HK$20,151
baseline
▲ 0.50% · 4.625%
HK$21,214
+HK$1,063/mo
Deposit HK$2.51M · loan HK$3.77M · min. income ≈ HK$40,302/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$163,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,050
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$20,673
−HK$634/mo
Today · 4.125%
HK$21,307
baseline
▲ 0.50% · 4.625%
HK$22,603
+HK$1,296/mo
Deposit HK$1.88M · loan HK$4.40M · min. income ≈ HK$42,614/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$163,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,305
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$22,903
−HK$607/mo
Today · 4.125%
HK$23,510
baseline
▲ 0.50% · 4.625%
HK$24,749
+HK$1,239/mo
Deposit HK$1.88M · loan HK$4.40M · min. income ≈ HK$47,020/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$163,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,778
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$26,580
−HK$815/mo
Today · 4.125%
HK$27,395
baseline
▲ 0.50% · 4.625%
HK$29,061
+HK$1,666/mo
Deposit HK$628K · loan HK$5.65M · min. income ≈ HK$54,790/mo (50% DSR)
Upfront cash ≈ HK$791K (deposit + AVD stamp duty HK$163,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,678
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$29,447
−HK$780/mo
Today · 4.125%
HK$30,227
baseline
▲ 0.50% · 4.625%
HK$31,821
+HK$1,594/mo
Deposit HK$628K · loan HK$5.65M · min. income ≈ HK$60,454/mo (50% DSR)
Upfront cash ≈ HK$791K (deposit + AVD stamp duty HK$163,051 · 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).