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$14,288
−HK$896/mo
▼ 0.25% · 3.875%
HK$14,732
−HK$452/mo
Today · 4.125%
HK$15,184
baseline
▲ 0.50% · 4.625%
HK$16,108
+HK$924/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$30,368/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$161,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,895
−HK$859/mo
▼ 0.25% · 3.875%
HK$16,321
−HK$433/mo
Today · 4.125%
HK$16,754
baseline
▲ 0.50% · 4.625%
HK$17,637
+HK$883/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$33,508/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$161,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,145
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$17,679
−HK$541/mo
Today · 4.125%
HK$18,220
baseline
▲ 0.50% · 4.625%
HK$19,329
+HK$1,109/mo
Deposit HK$2.51M · loan HK$3.76M · min. income ≈ HK$36,440/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$161,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,074
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$19,586
−HK$519/mo
Today · 4.125%
HK$20,105
baseline
▲ 0.50% · 4.625%
HK$21,164
+HK$1,059/mo
Deposit HK$2.51M · loan HK$3.76M · min. income ≈ HK$40,210/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$161,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,003
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$20,625
−HK$632/mo
Today · 4.125%
HK$21,257
baseline
▲ 0.50% · 4.625%
HK$22,551
+HK$1,294/mo
Deposit HK$1.88M · loan HK$4.39M · min. income ≈ HK$42,514/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$161,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,253
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$22,850
−HK$605/mo
Today · 4.125%
HK$23,455
baseline
▲ 0.50% · 4.625%
HK$24,692
+HK$1,237/mo
Deposit HK$1.88M · loan HK$4.39M · min. income ≈ HK$46,910/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$161,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,718
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$26,518
−HK$813/mo
Today · 4.125%
HK$27,331
baseline
▲ 0.50% · 4.625%
HK$28,994
+HK$1,663/mo
Deposit HK$627K · loan HK$5.64M · min. income ≈ HK$54,662/mo (50% DSR)
Upfront cash ≈ HK$788K (deposit + AVD stamp duty HK$161,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,611
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$29,378
−HK$779/mo
Today · 4.125%
HK$30,157
baseline
▲ 0.50% · 4.625%
HK$31,746
+HK$1,589/mo
Deposit HK$627K · loan HK$5.64M · min. income ≈ HK$60,314/mo (50% DSR)
Upfront cash ≈ HK$788K (deposit + AVD stamp duty HK$161,587 · 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).