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$14,330
−HK$898/mo
▼ 0.25% · 3.875%
HK$14,775
−HK$453/mo
Today · 4.125%
HK$15,228
baseline
▲ 0.50% · 4.625%
HK$16,155
+HK$927/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$30,456/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$163,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,941
−HK$862/mo
▼ 0.25% · 3.875%
HK$16,369
−HK$434/mo
Today · 4.125%
HK$16,803
baseline
▲ 0.50% · 4.625%
HK$17,688
+HK$885/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$33,606/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$163,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,195
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$17,730
−HK$544/mo
Today · 4.125%
HK$18,274
baseline
▲ 0.50% · 4.625%
HK$19,386
+HK$1,112/mo
Deposit HK$2.51M · loan HK$3.77M · min. income ≈ HK$36,548/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$163,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,130
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$19,643
−HK$520/mo
Today · 4.125%
HK$20,163
baseline
▲ 0.50% · 4.625%
HK$21,226
+HK$1,063/mo
Deposit HK$2.51M · loan HK$3.77M · min. income ≈ HK$40,326/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$163,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,061
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$20,685
−HK$634/mo
Today · 4.125%
HK$21,319
baseline
▲ 0.50% · 4.625%
HK$22,617
+HK$1,298/mo
Deposit HK$1.89M · loan HK$4.40M · min. income ≈ HK$42,638/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$163,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,318
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$22,917
−HK$607/mo
Today · 4.125%
HK$23,524
baseline
▲ 0.50% · 4.625%
HK$24,764
+HK$1,240/mo
Deposit HK$1.89M · loan HK$4.40M · min. income ≈ HK$47,048/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$163,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,793
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$26,595
−HK$816/mo
Today · 4.125%
HK$27,411
baseline
▲ 0.50% · 4.625%
HK$29,078
+HK$1,667/mo
Deposit HK$628K · loan HK$5.66M · min. income ≈ HK$54,822/mo (50% DSR)
Upfront cash ≈ HK$792K (deposit + AVD stamp duty HK$163,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,695
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$29,464
−HK$781/mo
Today · 4.125%
HK$30,245
baseline
▲ 0.50% · 4.625%
HK$31,839
+HK$1,594/mo
Deposit HK$628K · loan HK$5.66M · min. income ≈ HK$60,490/mo (50% DSR)
Upfront cash ≈ HK$792K (deposit + AVD stamp duty HK$163,417 · 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).