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$14,363
−HK$901/mo
▼ 0.25% · 3.875%
HK$14,810
−HK$454/mo
Today · 4.125%
HK$15,264
baseline
▲ 0.50% · 4.625%
HK$16,193
+HK$929/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$30,528/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$164,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,979
−HK$864/mo
▼ 0.25% · 3.875%
HK$16,408
−HK$435/mo
Today · 4.125%
HK$16,843
baseline
▲ 0.50% · 4.625%
HK$17,730
+HK$887/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$33,686/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$164,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,236
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,772
−HK$545/mo
Today · 4.125%
HK$18,317
baseline
▲ 0.50% · 4.625%
HK$19,432
+HK$1,115/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$36,634/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$164,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,175
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$19,689
−HK$522/mo
Today · 4.125%
HK$20,211
baseline
▲ 0.50% · 4.625%
HK$21,276
+HK$1,065/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$40,422/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$164,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,109
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$20,734
−HK$636/mo
Today · 4.125%
HK$21,370
baseline
▲ 0.50% · 4.625%
HK$22,670
+HK$1,300/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$42,740/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$164,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,371
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$22,971
−HK$609/mo
Today · 4.125%
HK$23,580
baseline
▲ 0.50% · 4.625%
HK$24,822
+HK$1,242/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$47,160/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$164,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,854
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,658
−HK$818/mo
Today · 4.125%
HK$27,476
baseline
▲ 0.50% · 4.625%
HK$29,147
+HK$1,671/mo
Deposit HK$630K · loan HK$5.67M · min. income ≈ HK$54,952/mo (50% DSR)
Upfront cash ≈ HK$795K (deposit + AVD stamp duty HK$164,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,763
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,534
−HK$783/mo
Today · 4.125%
HK$30,317
baseline
▲ 0.50% · 4.625%
HK$31,915
+HK$1,598/mo
Deposit HK$630K · loan HK$5.67M · min. income ≈ HK$60,634/mo (50% DSR)
Upfront cash ≈ HK$795K (deposit + AVD stamp duty HK$164,906 · 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).