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$895/mo
▼ 0.25% · 3.875%
HK$14,726
−HK$451/mo
Today · 4.125%
HK$15,177
baseline
▲ 0.50% · 4.625%
HK$16,101
+HK$924/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$30,354/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$161,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,888
−HK$859/mo
▼ 0.25% · 3.875%
HK$16,314
−HK$433/mo
Today · 4.125%
HK$16,747
baseline
▲ 0.50% · 4.625%
HK$17,629
+HK$882/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$161,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,138
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$17,671
−HK$542/mo
Today · 4.125%
HK$18,213
baseline
▲ 0.50% · 4.625%
HK$19,321
+HK$1,108/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$161,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,066
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,577
−HK$519/mo
Today · 4.125%
HK$20,096
baseline
▲ 0.50% · 4.625%
HK$21,155
+HK$1,059/mo
Deposit HK$2.51M · loan HK$3.76M · min. income ≈ HK$40,192/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$161,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,994
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$20,616
−HK$632/mo
Today · 4.125%
HK$21,248
baseline
▲ 0.50% · 4.625%
HK$22,541
+HK$1,293/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$42,496/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$161,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,243
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$22,840
−HK$605/mo
Today · 4.125%
HK$23,445
baseline
▲ 0.50% · 4.625%
HK$24,681
+HK$1,236/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$46,890/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$161,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,707
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$26,507
−HK$812/mo
Today · 4.125%
HK$27,319
baseline
▲ 0.50% · 4.625%
HK$28,981
+HK$1,662/mo
Deposit HK$626K · loan HK$5.64M · min. income ≈ HK$54,638/mo (50% DSR)
Upfront cash ≈ HK$788K (deposit + AVD stamp duty HK$161,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,599
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$29,366
−HK$778/mo
Today · 4.125%
HK$30,144
baseline
▲ 0.50% · 4.625%
HK$31,733
+HK$1,589/mo
Deposit HK$626K · loan HK$5.64M · min. income ≈ HK$60,288/mo (50% DSR)
Upfront cash ≈ HK$788K (deposit + AVD stamp duty HK$161,316 · 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).