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$14,316
−HK$898/mo
▼ 0.25% · 3.875%
HK$14,761
−HK$453/mo
Today · 4.125%
HK$15,214
baseline
▲ 0.50% · 4.625%
HK$16,140
+HK$926/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$30,428/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$162,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,927
−HK$860/mo
▼ 0.25% · 3.875%
HK$16,354
−HK$433/mo
Today · 4.125%
HK$16,787
baseline
▲ 0.50% · 4.625%
HK$17,672
+HK$885/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$33,574/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$162,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,179
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$17,714
−HK$543/mo
Today · 4.125%
HK$18,257
baseline
▲ 0.50% · 4.625%
HK$19,368
+HK$1,111/mo
Deposit HK$2.51M · loan HK$3.77M · min. income ≈ HK$36,514/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$162,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,112
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$19,624
−HK$520/mo
Today · 4.125%
HK$20,144
baseline
▲ 0.50% · 4.625%
HK$21,206
+HK$1,062/mo
Deposit HK$2.51M · loan HK$3.77M · min. income ≈ HK$40,288/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$162,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,043
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$20,666
−HK$633/mo
Today · 4.125%
HK$21,299
baseline
▲ 0.50% · 4.625%
HK$22,595
+HK$1,296/mo
Deposit HK$1.88M · loan HK$4.39M · min. income ≈ HK$42,598/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$162,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,297
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$22,895
−HK$607/mo
Today · 4.125%
HK$23,502
baseline
▲ 0.50% · 4.625%
HK$24,741
+HK$1,239/mo
Deposit HK$1.88M · loan HK$4.39M · min. income ≈ HK$47,004/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$162,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,769
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$26,571
−HK$814/mo
Today · 4.125%
HK$27,385
baseline
▲ 0.50% · 4.625%
HK$29,051
+HK$1,666/mo
Deposit HK$628K · loan HK$5.65M · min. income ≈ HK$54,770/mo (50% DSR)
Upfront cash ≈ HK$791K (deposit + AVD stamp duty HK$162,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,668
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$29,437
−HK$780/mo
Today · 4.125%
HK$30,217
baseline
▲ 0.50% · 4.625%
HK$31,809
+HK$1,592/mo
Deposit HK$628K · loan HK$5.65M · min. income ≈ HK$60,434/mo (50% DSR)
Upfront cash ≈ HK$791K (deposit + AVD stamp duty HK$162,831 · 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).