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$14,282
−HK$896/mo
▼ 0.25% · 3.875%
HK$14,726
−HK$452/mo
Today · 4.125%
HK$15,178
baseline
▲ 0.50% · 4.625%
HK$16,101
+HK$923/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$30,356/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$161,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,889
−HK$858/mo
▼ 0.25% · 3.875%
HK$16,315
−HK$432/mo
Today · 4.125%
HK$16,747
baseline
▲ 0.50% · 4.625%
HK$17,630
+HK$883/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$33,494/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$161,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,139
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$17,672
−HK$541/mo
Today · 4.125%
HK$18,213
baseline
▲ 0.50% · 4.625%
HK$19,322
+HK$1,109/mo
Deposit HK$2.51M · loan HK$3.76M · min. income ≈ HK$36,426/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$161,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,067
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,578
−HK$519/mo
Today · 4.125%
HK$20,097
baseline
▲ 0.50% · 4.625%
HK$21,156
+HK$1,059/mo
Deposit HK$2.51M · loan HK$3.76M · min. income ≈ HK$40,194/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$161,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,995
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$20,617
−HK$632/mo
Today · 4.125%
HK$21,249
baseline
▲ 0.50% · 4.625%
HK$22,542
+HK$1,293/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$42,498/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$161,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,244
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$22,841
−HK$605/mo
Today · 4.125%
HK$23,446
baseline
▲ 0.50% · 4.625%
HK$24,682
+HK$1,236/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$46,892/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$161,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,708
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$26,508
−HK$812/mo
Today · 4.125%
HK$27,320
baseline
▲ 0.50% · 4.625%
HK$28,982
+HK$1,662/mo
Deposit HK$626K · loan HK$5.64M · min. income ≈ HK$54,640/mo (50% DSR)
Upfront cash ≈ HK$788K (deposit + AVD stamp duty HK$161,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,600
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$29,367
−HK$778/mo
Today · 4.125%
HK$30,145
baseline
▲ 0.50% · 4.625%
HK$31,734
+HK$1,589/mo
Deposit HK$626K · loan HK$5.64M · min. income ≈ HK$60,290/mo (50% DSR)
Upfront cash ≈ HK$788K (deposit + AVD stamp duty HK$161,343 · 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).