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$14,391
−HK$902/mo
▼ 0.25% · 3.875%
HK$14,838
−HK$455/mo
Today · 4.125%
HK$15,293
baseline
▲ 0.50% · 4.625%
HK$16,224
+HK$931/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$30,586/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$166,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,009
−HK$865/mo
▼ 0.25% · 3.875%
HK$16,439
−HK$435/mo
Today · 4.125%
HK$16,874
baseline
▲ 0.50% · 4.625%
HK$17,764
+HK$890/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$33,748/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$166,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,269
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$17,806
−HK$546/mo
Today · 4.125%
HK$18,352
baseline
▲ 0.50% · 4.625%
HK$19,468
+HK$1,116/mo
Deposit HK$2.52M · loan HK$3.79M · min. income ≈ HK$36,704/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$166,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,211
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$19,727
−HK$522/mo
Today · 4.125%
HK$20,249
baseline
▲ 0.50% · 4.625%
HK$21,317
+HK$1,068/mo
Deposit HK$2.52M · loan HK$3.79M · min. income ≈ HK$40,498/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$166,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,147
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$20,774
−HK$636/mo
Today · 4.125%
HK$21,410
baseline
▲ 0.50% · 4.625%
HK$22,713
+HK$1,303/mo
Deposit HK$1.89M · loan HK$4.42M · min. income ≈ HK$42,820/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$166,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,413
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,014
−HK$610/mo
Today · 4.125%
HK$23,624
baseline
▲ 0.50% · 4.625%
HK$24,869
+HK$1,245/mo
Deposit HK$1.89M · loan HK$4.42M · min. income ≈ HK$47,248/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$166,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,903
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$26,709
−HK$818/mo
Today · 4.125%
HK$27,527
baseline
▲ 0.50% · 4.625%
HK$29,202
+HK$1,675/mo
Deposit HK$631K · loan HK$5.68M · min. income ≈ HK$55,054/mo (50% DSR)
Upfront cash ≈ HK$797K (deposit + AVD stamp duty HK$166,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,817
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$29,590
−HK$784/mo
Today · 4.125%
HK$30,374
baseline
▲ 0.50% · 4.625%
HK$31,975
+HK$1,601/mo
Deposit HK$631K · loan HK$5.68M · min. income ≈ HK$60,748/mo (50% DSR)
Upfront cash ≈ HK$797K (deposit + AVD stamp duty HK$166,097 · 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).