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$14,387
−HK$902/mo
▼ 0.25% · 3.875%
HK$14,834
−HK$455/mo
Today · 4.125%
HK$15,289
baseline
▲ 0.50% · 4.625%
HK$16,219
+HK$930/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$30,578/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$165,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,005
−HK$865/mo
▼ 0.25% · 3.875%
HK$16,434
−HK$436/mo
Today · 4.125%
HK$16,870
baseline
▲ 0.50% · 4.625%
HK$17,759
+HK$889/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$33,740/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$165,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,264
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$17,801
−HK$545/mo
Today · 4.125%
HK$18,346
baseline
▲ 0.50% · 4.625%
HK$19,463
+HK$1,117/mo
Deposit HK$2.52M · loan HK$3.79M · min. income ≈ HK$36,692/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$165,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,206
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$19,721
−HK$522/mo
Today · 4.125%
HK$20,243
baseline
▲ 0.50% · 4.625%
HK$21,311
+HK$1,068/mo
Deposit HK$2.52M · loan HK$3.79M · min. income ≈ HK$40,486/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$165,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,141
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$20,768
−HK$636/mo
Today · 4.125%
HK$21,404
baseline
▲ 0.50% · 4.625%
HK$22,707
+HK$1,303/mo
Deposit HK$1.89M · loan HK$4.42M · min. income ≈ HK$42,808/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$165,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,407
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$23,008
−HK$609/mo
Today · 4.125%
HK$23,617
baseline
▲ 0.50% · 4.625%
HK$24,862
+HK$1,245/mo
Deposit HK$1.89M · loan HK$4.42M · min. income ≈ HK$47,234/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$165,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,896
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$26,701
−HK$819/mo
Today · 4.125%
HK$27,520
baseline
▲ 0.50% · 4.625%
HK$29,194
+HK$1,674/mo
Deposit HK$631K · loan HK$5.68M · min. income ≈ HK$55,040/mo (50% DSR)
Upfront cash ≈ HK$797K (deposit + AVD stamp duty HK$165,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,809
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$29,581
−HK$784/mo
Today · 4.125%
HK$30,365
baseline
▲ 0.50% · 4.625%
HK$31,966
+HK$1,601/mo
Deposit HK$631K · loan HK$5.68M · min. income ≈ HK$60,730/mo (50% DSR)
Upfront cash ≈ HK$797K (deposit + AVD stamp duty HK$165,918 · 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).