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$14,301
−HK$896/mo
▼ 0.25% · 3.875%
HK$14,745
−HK$452/mo
Today · 4.125%
HK$15,197
baseline
▲ 0.50% · 4.625%
HK$16,122
+HK$925/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$30,394/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$162,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,909
−HK$860/mo
▼ 0.25% · 3.875%
HK$16,336
−HK$433/mo
Today · 4.125%
HK$16,769
baseline
▲ 0.50% · 4.625%
HK$17,653
+HK$884/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$33,538/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$162,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,161
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$17,694
−HK$543/mo
Today · 4.125%
HK$18,237
baseline
▲ 0.50% · 4.625%
HK$19,346
+HK$1,109/mo
Deposit HK$2.51M · loan HK$3.76M · min. income ≈ HK$36,474/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$162,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,091
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$19,603
−HK$520/mo
Today · 4.125%
HK$20,123
baseline
▲ 0.50% · 4.625%
HK$21,183
+HK$1,060/mo
Deposit HK$2.51M · loan HK$3.76M · min. income ≈ HK$40,246/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$162,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,021
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$20,644
−HK$632/mo
Today · 4.125%
HK$21,276
baseline
▲ 0.50% · 4.625%
HK$22,571
+HK$1,295/mo
Deposit HK$1.88M · loan HK$4.39M · min. income ≈ HK$42,552/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$162,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,273
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$22,870
−HK$606/mo
Today · 4.125%
HK$23,476
baseline
▲ 0.50% · 4.625%
HK$24,714
+HK$1,238/mo
Deposit HK$1.88M · loan HK$4.39M · min. income ≈ HK$46,952/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$162,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,741
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$26,542
−HK$813/mo
Today · 4.125%
HK$27,355
baseline
▲ 0.50% · 4.625%
HK$29,020
+HK$1,665/mo
Deposit HK$627K · loan HK$5.64M · min. income ≈ HK$54,710/mo (50% DSR)
Upfront cash ≈ HK$789K (deposit + AVD stamp duty HK$162,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,637
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$29,405
−HK$779/mo
Today · 4.125%
HK$30,184
baseline
▲ 0.50% · 4.625%
HK$31,775
+HK$1,591/mo
Deposit HK$627K · loan HK$5.64M · min. income ≈ HK$60,368/mo (50% DSR)
Upfront cash ≈ HK$789K (deposit + AVD stamp duty HK$162,149 · 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).