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$14,358
−HK$900/mo
▼ 0.25% · 3.875%
HK$14,804
−HK$454/mo
Today · 4.125%
HK$15,258
baseline
▲ 0.50% · 4.625%
HK$16,186
+HK$928/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$30,516/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$164,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,973
−HK$863/mo
▼ 0.25% · 3.875%
HK$16,401
−HK$435/mo
Today · 4.125%
HK$16,836
baseline
▲ 0.50% · 4.625%
HK$17,723
+HK$887/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$33,672/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$164,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,229
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,765
−HK$545/mo
Today · 4.125%
HK$18,310
baseline
▲ 0.50% · 4.625%
HK$19,424
+HK$1,114/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$36,620/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$164,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,167
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$19,681
−HK$522/mo
Today · 4.125%
HK$20,203
baseline
▲ 0.50% · 4.625%
HK$21,268
+HK$1,065/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$40,406/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$164,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,101
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$20,726
−HK$635/mo
Today · 4.125%
HK$21,361
baseline
▲ 0.50% · 4.625%
HK$22,661
+HK$1,300/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$42,722/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$164,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,362
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$22,962
−HK$608/mo
Today · 4.125%
HK$23,570
baseline
▲ 0.50% · 4.625%
HK$24,812
+HK$1,242/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$47,140/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$164,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,844
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$26,648
−HK$816/mo
Today · 4.125%
HK$27,464
baseline
▲ 0.50% · 4.625%
HK$29,136
+HK$1,672/mo
Deposit HK$630K · loan HK$5.67M · min. income ≈ HK$54,928/mo (50% DSR)
Upfront cash ≈ HK$794K (deposit + AVD stamp duty HK$164,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,751
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$29,522
−HK$782/mo
Today · 4.125%
HK$30,304
baseline
▲ 0.50% · 4.625%
HK$31,902
+HK$1,598/mo
Deposit HK$630K · loan HK$5.67M · min. income ≈ HK$60,608/mo (50% DSR)
Upfront cash ≈ HK$794K (deposit + AVD stamp duty HK$164,651 · 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).