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$14,355
−HK$900/mo
▼ 0.25% · 3.875%
HK$14,802
−HK$453/mo
Today · 4.125%
HK$15,255
baseline
▲ 0.50% · 4.625%
HK$16,184
+HK$929/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$30,510/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$164,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,970
−HK$863/mo
▼ 0.25% · 3.875%
HK$16,398
−HK$435/mo
Today · 4.125%
HK$16,833
baseline
▲ 0.50% · 4.625%
HK$17,720
+HK$887/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$33,666/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$164,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,226
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,762
−HK$545/mo
Today · 4.125%
HK$18,307
baseline
▲ 0.50% · 4.625%
HK$19,420
+HK$1,113/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$36,614/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$164,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,164
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$19,678
−HK$521/mo
Today · 4.125%
HK$20,199
baseline
▲ 0.50% · 4.625%
HK$21,264
+HK$1,065/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$40,398/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$164,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,097
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$20,722
−HK$636/mo
Today · 4.125%
HK$21,358
baseline
▲ 0.50% · 4.625%
HK$22,657
+HK$1,299/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$42,716/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$164,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,358
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$22,958
−HK$608/mo
Today · 4.125%
HK$23,566
baseline
▲ 0.50% · 4.625%
HK$24,808
+HK$1,242/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$47,132/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$164,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,839
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$26,643
−HK$817/mo
Today · 4.125%
HK$27,460
baseline
▲ 0.50% · 4.625%
HK$29,131
+HK$1,671/mo
Deposit HK$630K · loan HK$5.67M · min. income ≈ HK$54,920/mo (50% DSR)
Upfront cash ≈ HK$794K (deposit + AVD stamp duty HK$164,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,746
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$29,517
−HK$782/mo
Today · 4.125%
HK$30,299
baseline
▲ 0.50% · 4.625%
HK$31,896
+HK$1,597/mo
Deposit HK$630K · loan HK$5.67M · min. income ≈ HK$60,598/mo (50% DSR)
Upfront cash ≈ HK$794K (deposit + AVD stamp duty HK$164,545 · 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).