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$14,304
−HK$897/mo
▼ 0.25% · 3.875%
HK$14,749
−HK$452/mo
Today · 4.125%
HK$15,201
baseline
▲ 0.50% · 4.625%
HK$16,126
+HK$925/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$30,402/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$162,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,913
−HK$860/mo
▼ 0.25% · 3.875%
HK$16,340
−HK$433/mo
Today · 4.125%
HK$16,773
baseline
▲ 0.50% · 4.625%
HK$17,657
+HK$884/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$33,546/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$162,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,165
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$17,699
−HK$542/mo
Today · 4.125%
HK$18,241
baseline
▲ 0.50% · 4.625%
HK$19,351
+HK$1,110/mo
Deposit HK$2.51M · loan HK$3.76M · min. income ≈ HK$36,482/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$162,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,096
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$19,608
−HK$520/mo
Today · 4.125%
HK$20,128
baseline
▲ 0.50% · 4.625%
HK$21,189
+HK$1,061/mo
Deposit HK$2.51M · loan HK$3.76M · min. income ≈ HK$40,256/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$162,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,026
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$20,649
−HK$633/mo
Today · 4.125%
HK$21,282
baseline
▲ 0.50% · 4.625%
HK$22,577
+HK$1,295/mo
Deposit HK$1.88M · loan HK$4.39M · min. income ≈ HK$42,564/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$162,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,279
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$22,876
−HK$606/mo
Today · 4.125%
HK$23,482
baseline
▲ 0.50% · 4.625%
HK$24,720
+HK$1,238/mo
Deposit HK$1.88M · loan HK$4.39M · min. income ≈ HK$46,964/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$162,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,748
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$26,548
−HK$814/mo
Today · 4.125%
HK$27,362
baseline
▲ 0.50% · 4.625%
HK$29,027
+HK$1,665/mo
Deposit HK$627K · loan HK$5.65M · min. income ≈ HK$54,724/mo (50% DSR)
Upfront cash ≈ HK$790K (deposit + AVD stamp duty HK$162,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,644
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$29,412
−HK$779/mo
Today · 4.125%
HK$30,191
baseline
▲ 0.50% · 4.625%
HK$31,783
+HK$1,592/mo
Deposit HK$627K · loan HK$5.65M · min. income ≈ HK$60,382/mo (50% DSR)
Upfront cash ≈ HK$790K (deposit + AVD stamp duty HK$162,308 · 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).