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$14,297
−HK$897/mo
▼ 0.25% · 3.875%
HK$14,742
−HK$452/mo
Today · 4.125%
HK$15,194
baseline
▲ 0.50% · 4.625%
HK$16,118
+HK$924/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$30,388/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$162,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,906
−HK$859/mo
▼ 0.25% · 3.875%
HK$16,332
−HK$433/mo
Today · 4.125%
HK$16,765
baseline
▲ 0.50% · 4.625%
HK$17,649
+HK$884/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$33,530/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$162,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,157
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$17,691
−HK$542/mo
Today · 4.125%
HK$18,233
baseline
▲ 0.50% · 4.625%
HK$19,342
+HK$1,109/mo
Deposit HK$2.51M · loan HK$3.76M · min. income ≈ HK$36,466/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$162,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,087
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$19,599
−HK$519/mo
Today · 4.125%
HK$20,118
baseline
▲ 0.50% · 4.625%
HK$21,178
+HK$1,060/mo
Deposit HK$2.51M · loan HK$3.76M · min. income ≈ HK$40,236/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$162,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,016
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$20,639
−HK$633/mo
Today · 4.125%
HK$21,272
baseline
▲ 0.50% · 4.625%
HK$22,566
+HK$1,294/mo
Deposit HK$1.88M · loan HK$4.39M · min. income ≈ HK$42,544/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$162,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,268
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$22,865
−HK$606/mo
Today · 4.125%
HK$23,471
baseline
▲ 0.50% · 4.625%
HK$24,708
+HK$1,237/mo
Deposit HK$1.88M · loan HK$4.39M · min. income ≈ HK$46,942/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$162,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,735
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$26,536
−HK$813/mo
Today · 4.125%
HK$27,349
baseline
▲ 0.50% · 4.625%
HK$29,013
+HK$1,664/mo
Deposit HK$627K · loan HK$5.64M · min. income ≈ HK$54,698/mo (50% DSR)
Upfront cash ≈ HK$789K (deposit + AVD stamp duty HK$162,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,630
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$29,398
−HK$779/mo
Today · 4.125%
HK$30,177
baseline
▲ 0.50% · 4.625%
HK$31,768
+HK$1,591/mo
Deposit HK$627K · loan HK$5.64M · min. income ≈ HK$60,354/mo (50% DSR)
Upfront cash ≈ HK$789K (deposit + AVD stamp duty HK$162,008 · 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).