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$14,318
−HK$897/mo
▼ 0.25% · 3.875%
HK$14,763
−HK$452/mo
Today · 4.125%
HK$15,215
baseline
▲ 0.50% · 4.625%
HK$16,141
+HK$926/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$30,430/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$162,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,928
−HK$861/mo
▼ 0.25% · 3.875%
HK$16,355
−HK$434/mo
Today · 4.125%
HK$16,789
baseline
▲ 0.50% · 4.625%
HK$17,674
+HK$885/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$33,578/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$162,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,181
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$17,716
−HK$542/mo
Today · 4.125%
HK$18,258
baseline
▲ 0.50% · 4.625%
HK$19,369
+HK$1,111/mo
Deposit HK$2.51M · loan HK$3.77M · min. income ≈ HK$36,516/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$162,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,114
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$19,626
−HK$520/mo
Today · 4.125%
HK$20,146
baseline
▲ 0.50% · 4.625%
HK$21,208
+HK$1,062/mo
Deposit HK$2.51M · loan HK$3.77M · min. income ≈ HK$40,292/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$162,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,045
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$20,668
−HK$634/mo
Today · 4.125%
HK$21,302
baseline
▲ 0.50% · 4.625%
HK$22,598
+HK$1,296/mo
Deposit HK$1.88M · loan HK$4.40M · min. income ≈ HK$42,604/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$162,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,299
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$22,897
−HK$607/mo
Today · 4.125%
HK$23,504
baseline
▲ 0.50% · 4.625%
HK$24,743
+HK$1,239/mo
Deposit HK$1.88M · loan HK$4.40M · min. income ≈ HK$47,008/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$162,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,772
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$26,573
−HK$815/mo
Today · 4.125%
HK$27,388
baseline
▲ 0.50% · 4.625%
HK$29,054
+HK$1,666/mo
Deposit HK$628K · loan HK$5.65M · min. income ≈ HK$54,776/mo (50% DSR)
Upfront cash ≈ HK$791K (deposit + AVD stamp duty HK$162,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,671
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$29,440
−HK$780/mo
Today · 4.125%
HK$30,220
baseline
▲ 0.50% · 4.625%
HK$31,813
+HK$1,593/mo
Deposit HK$628K · loan HK$5.65M · min. income ≈ HK$60,440/mo (50% DSR)
Upfront cash ≈ HK$791K (deposit + AVD stamp duty HK$162,894 · 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).