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$14,384
−HK$902/mo
▼ 0.25% · 3.875%
HK$14,831
−HK$455/mo
Today · 4.125%
HK$15,286
baseline
▲ 0.50% · 4.625%
HK$16,216
+HK$930/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$30,572/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$165,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,002
−HK$864/mo
▼ 0.25% · 3.875%
HK$16,431
−HK$435/mo
Today · 4.125%
HK$16,866
baseline
▲ 0.50% · 4.625%
HK$17,756
+HK$890/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$33,732/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$165,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,261
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$17,798
−HK$545/mo
Today · 4.125%
HK$18,343
baseline
▲ 0.50% · 4.625%
HK$19,459
+HK$1,116/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$36,686/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$165,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,202
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$19,717
−HK$523/mo
Today · 4.125%
HK$20,240
baseline
▲ 0.50% · 4.625%
HK$21,307
+HK$1,067/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$40,480/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$165,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,137
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$20,764
−HK$636/mo
Today · 4.125%
HK$21,400
baseline
▲ 0.50% · 4.625%
HK$22,702
+HK$1,302/mo
Deposit HK$1.89M · loan HK$4.42M · min. income ≈ HK$42,800/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$165,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,403
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$23,004
−HK$609/mo
Today · 4.125%
HK$23,613
baseline
▲ 0.50% · 4.625%
HK$24,858
+HK$1,245/mo
Deposit HK$1.89M · loan HK$4.42M · min. income ≈ HK$47,226/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$165,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,891
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$26,696
−HK$819/mo
Today · 4.125%
HK$27,515
baseline
▲ 0.50% · 4.625%
HK$29,189
+HK$1,674/mo
Deposit HK$631K · loan HK$5.68M · min. income ≈ HK$55,030/mo (50% DSR)
Upfront cash ≈ HK$797K (deposit + AVD stamp duty HK$165,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,804
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$29,576
−HK$784/mo
Today · 4.125%
HK$30,360
baseline
▲ 0.50% · 4.625%
HK$31,960
+HK$1,600/mo
Deposit HK$631K · loan HK$5.68M · min. income ≈ HK$60,720/mo (50% DSR)
Upfront cash ≈ HK$797K (deposit + AVD stamp duty HK$165,803 · 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).