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$14,387
−HK$902/mo
▼ 0.25% · 3.875%
HK$14,835
−HK$454/mo
Today · 4.125%
HK$15,289
baseline
▲ 0.50% · 4.625%
HK$16,220
+HK$931/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$30,578/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$165,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,005
−HK$865/mo
▼ 0.25% · 3.875%
HK$16,435
−HK$435/mo
Today · 4.125%
HK$16,870
baseline
▲ 0.50% · 4.625%
HK$17,759
+HK$889/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$33,740/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$165,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,264
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$17,801
−HK$546/mo
Today · 4.125%
HK$18,347
baseline
▲ 0.50% · 4.625%
HK$19,463
+HK$1,116/mo
Deposit HK$2.52M · loan HK$3.79M · min. income ≈ HK$36,694/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$165,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,207
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$19,722
−HK$522/mo
Today · 4.125%
HK$20,244
baseline
▲ 0.50% · 4.625%
HK$21,311
+HK$1,067/mo
Deposit HK$2.52M · loan HK$3.79M · min. income ≈ HK$40,488/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$165,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,142
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$20,768
−HK$637/mo
Today · 4.125%
HK$21,405
baseline
▲ 0.50% · 4.625%
HK$22,707
+HK$1,302/mo
Deposit HK$1.89M · loan HK$4.42M · min. income ≈ HK$42,810/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$165,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,408
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$23,009
−HK$609/mo
Today · 4.125%
HK$23,618
baseline
▲ 0.50% · 4.625%
HK$24,863
+HK$1,245/mo
Deposit HK$1.89M · loan HK$4.42M · min. income ≈ HK$47,236/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$165,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,897
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$26,702
−HK$819/mo
Today · 4.125%
HK$27,521
baseline
▲ 0.50% · 4.625%
HK$29,195
+HK$1,674/mo
Deposit HK$631K · loan HK$5.68M · min. income ≈ HK$55,042/mo (50% DSR)
Upfront cash ≈ HK$797K (deposit + AVD stamp duty HK$165,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,810
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$29,582
−HK$784/mo
Today · 4.125%
HK$30,366
baseline
▲ 0.50% · 4.625%
HK$31,967
+HK$1,601/mo
Deposit HK$631K · loan HK$5.68M · min. income ≈ HK$60,732/mo (50% DSR)
Upfront cash ≈ HK$797K (deposit + AVD stamp duty HK$165,941 · 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).