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$14,332
−HK$899/mo
▼ 0.25% · 3.875%
HK$14,778
−HK$453/mo
Today · 4.125%
HK$15,231
baseline
▲ 0.50% · 4.625%
HK$16,157
+HK$926/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$30,462/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$163,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,944
−HK$862/mo
▼ 0.25% · 3.875%
HK$16,372
−HK$434/mo
Today · 4.125%
HK$16,806
baseline
▲ 0.50% · 4.625%
HK$17,691
+HK$885/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$33,612/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$163,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,198
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$17,733
−HK$544/mo
Today · 4.125%
HK$18,277
baseline
▲ 0.50% · 4.625%
HK$19,389
+HK$1,112/mo
Deposit HK$2.51M · loan HK$3.77M · min. income ≈ HK$36,554/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$163,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,133
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$19,646
−HK$521/mo
Today · 4.125%
HK$20,167
baseline
▲ 0.50% · 4.625%
HK$21,230
+HK$1,063/mo
Deposit HK$2.51M · loan HK$3.77M · min. income ≈ HK$40,334/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$163,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,065
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$20,689
−HK$634/mo
Today · 4.125%
HK$21,323
baseline
▲ 0.50% · 4.625%
HK$22,620
+HK$1,297/mo
Deposit HK$1.89M · loan HK$4.40M · min. income ≈ HK$42,646/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$163,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,322
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$22,920
−HK$608/mo
Today · 4.125%
HK$23,528
baseline
▲ 0.50% · 4.625%
HK$24,768
+HK$1,240/mo
Deposit HK$1.89M · loan HK$4.40M · min. income ≈ HK$47,056/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$163,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,797
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$26,600
−HK$815/mo
Today · 4.125%
HK$27,415
baseline
▲ 0.50% · 4.625%
HK$29,083
+HK$1,668/mo
Deposit HK$629K · loan HK$5.66M · min. income ≈ HK$54,830/mo (50% DSR)
Upfront cash ≈ HK$792K (deposit + AVD stamp duty HK$163,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,699
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$29,469
−HK$781/mo
Today · 4.125%
HK$30,250
baseline
▲ 0.50% · 4.625%
HK$31,844
+HK$1,594/mo
Deposit HK$629K · loan HK$5.66M · min. income ≈ HK$60,500/mo (50% DSR)
Upfront cash ≈ HK$792K (deposit + AVD stamp duty HK$163,523 · 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).