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$14,310
−HK$897/mo
▼ 0.25% · 3.875%
HK$14,755
−HK$452/mo
Today · 4.125%
HK$15,207
baseline
▲ 0.50% · 4.625%
HK$16,132
+HK$925/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$30,414/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$162,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,919
−HK$861/mo
▼ 0.25% · 3.875%
HK$16,346
−HK$434/mo
Today · 4.125%
HK$16,780
baseline
▲ 0.50% · 4.625%
HK$17,664
+HK$884/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$33,560/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$162,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,172
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$17,706
−HK$543/mo
Today · 4.125%
HK$18,249
baseline
▲ 0.50% · 4.625%
HK$19,359
+HK$1,110/mo
Deposit HK$2.51M · loan HK$3.77M · min. income ≈ HK$36,498/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$162,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,103
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$19,616
−HK$519/mo
Today · 4.125%
HK$20,135
baseline
▲ 0.50% · 4.625%
HK$21,197
+HK$1,062/mo
Deposit HK$2.51M · loan HK$3.77M · min. income ≈ HK$40,270/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$162,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,034
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$20,657
−HK$633/mo
Today · 4.125%
HK$21,290
baseline
▲ 0.50% · 4.625%
HK$22,585
+HK$1,295/mo
Deposit HK$1.88M · loan HK$4.39M · min. income ≈ HK$42,580/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$162,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,287
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$22,885
−HK$606/mo
Today · 4.125%
HK$23,491
baseline
▲ 0.50% · 4.625%
HK$24,730
+HK$1,239/mo
Deposit HK$1.88M · loan HK$4.39M · min. income ≈ HK$46,982/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$162,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,758
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$26,559
−HK$814/mo
Today · 4.125%
HK$27,373
baseline
▲ 0.50% · 4.625%
HK$29,038
+HK$1,665/mo
Deposit HK$628K · loan HK$5.65M · min. income ≈ HK$54,746/mo (50% DSR)
Upfront cash ≈ HK$790K (deposit + AVD stamp duty HK$162,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,655
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$29,424
−HK$779/mo
Today · 4.125%
HK$30,203
baseline
▲ 0.50% · 4.625%
HK$31,795
+HK$1,592/mo
Deposit HK$628K · loan HK$5.65M · min. income ≈ HK$60,406/mo (50% DSR)
Upfront cash ≈ HK$790K (deposit + AVD stamp duty HK$162,550 · 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).