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$14,299
−HK$896/mo
▼ 0.25% · 3.875%
HK$14,744
−HK$451/mo
Today · 4.125%
HK$15,195
baseline
▲ 0.50% · 4.625%
HK$16,120
+HK$925/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$30,390/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$162,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,907
−HK$860/mo
▼ 0.25% · 3.875%
HK$16,334
−HK$433/mo
Today · 4.125%
HK$16,767
baseline
▲ 0.50% · 4.625%
HK$17,651
+HK$884/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$33,534/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$162,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,159
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$17,692
−HK$543/mo
Today · 4.125%
HK$18,235
baseline
▲ 0.50% · 4.625%
HK$19,344
+HK$1,109/mo
Deposit HK$2.51M · loan HK$3.76M · min. income ≈ HK$36,470/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$162,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,089
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$19,601
−HK$519/mo
Today · 4.125%
HK$20,120
baseline
▲ 0.50% · 4.625%
HK$21,181
+HK$1,061/mo
Deposit HK$2.51M · loan HK$3.76M · min. income ≈ HK$40,240/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$162,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,018
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$20,641
−HK$633/mo
Today · 4.125%
HK$21,274
baseline
▲ 0.50% · 4.625%
HK$22,568
+HK$1,294/mo
Deposit HK$1.88M · loan HK$4.39M · min. income ≈ HK$42,548/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$162,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,270
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$22,868
−HK$605/mo
Today · 4.125%
HK$23,473
baseline
▲ 0.50% · 4.625%
HK$24,711
+HK$1,238/mo
Deposit HK$1.88M · loan HK$4.39M · min. income ≈ HK$46,946/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$162,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,738
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$26,538
−HK$814/mo
Today · 4.125%
HK$27,352
baseline
▲ 0.50% · 4.625%
HK$29,016
+HK$1,664/mo
Deposit HK$627K · loan HK$5.64M · min. income ≈ HK$54,704/mo (50% DSR)
Upfront cash ≈ HK$789K (deposit + AVD stamp duty HK$162,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,633
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$29,401
−HK$779/mo
Today · 4.125%
HK$30,180
baseline
▲ 0.50% · 4.625%
HK$31,771
+HK$1,591/mo
Deposit HK$627K · loan HK$5.64M · min. income ≈ HK$60,360/mo (50% DSR)
Upfront cash ≈ HK$789K (deposit + AVD stamp duty HK$162,072 · 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).