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$14,328
−HK$898/mo
▼ 0.25% · 3.875%
HK$14,774
−HK$452/mo
Today · 4.125%
HK$15,226
baseline
▲ 0.50% · 4.625%
HK$16,153
+HK$927/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$30,452/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$163,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,940
−HK$861/mo
▼ 0.25% · 3.875%
HK$16,367
−HK$434/mo
Today · 4.125%
HK$16,801
baseline
▲ 0.50% · 4.625%
HK$17,687
+HK$886/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$33,602/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$163,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,194
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$17,728
−HK$544/mo
Today · 4.125%
HK$18,272
baseline
▲ 0.50% · 4.625%
HK$19,384
+HK$1,112/mo
Deposit HK$2.51M · loan HK$3.77M · min. income ≈ HK$36,544/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$163,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,128
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$19,641
−HK$520/mo
Today · 4.125%
HK$20,161
baseline
▲ 0.50% · 4.625%
HK$21,224
+HK$1,063/mo
Deposit HK$2.51M · loan HK$3.77M · min. income ≈ HK$40,322/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$163,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,059
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$20,683
−HK$634/mo
Today · 4.125%
HK$21,317
baseline
▲ 0.50% · 4.625%
HK$22,614
+HK$1,297/mo
Deposit HK$1.89M · loan HK$4.40M · min. income ≈ HK$42,634/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$163,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,316
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$22,914
−HK$607/mo
Today · 4.125%
HK$23,521
baseline
▲ 0.50% · 4.625%
HK$24,761
+HK$1,240/mo
Deposit HK$1.89M · loan HK$4.40M · min. income ≈ HK$47,042/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$163,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,790
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$26,593
−HK$815/mo
Today · 4.125%
HK$27,408
baseline
▲ 0.50% · 4.625%
HK$29,075
+HK$1,667/mo
Deposit HK$628K · loan HK$5.66M · min. income ≈ HK$54,816/mo (50% DSR)
Upfront cash ≈ HK$792K (deposit + AVD stamp duty HK$163,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,692
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$29,461
−HK$781/mo
Today · 4.125%
HK$30,242
baseline
▲ 0.50% · 4.625%
HK$31,836
+HK$1,594/mo
Deposit HK$628K · loan HK$5.66M · min. income ≈ HK$60,484/mo (50% DSR)
Upfront cash ≈ HK$792K (deposit + AVD stamp duty HK$163,351 · 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).