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$14,345
−HK$900/mo
▼ 0.25% · 3.875%
HK$14,791
−HK$454/mo
Today · 4.125%
HK$15,245
baseline
▲ 0.50% · 4.625%
HK$16,172
+HK$927/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$30,490/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$164,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,959
−HK$862/mo
▼ 0.25% · 3.875%
HK$16,387
−HK$434/mo
Today · 4.125%
HK$16,821
baseline
▲ 0.50% · 4.625%
HK$17,708
+HK$887/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$33,642/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$164,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,214
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$17,750
−HK$544/mo
Today · 4.125%
HK$18,294
baseline
▲ 0.50% · 4.625%
HK$19,407
+HK$1,113/mo
Deposit HK$2.52M · loan HK$3.77M · min. income ≈ HK$36,588/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$164,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,151
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$19,664
−HK$521/mo
Today · 4.125%
HK$20,185
baseline
▲ 0.50% · 4.625%
HK$21,249
+HK$1,064/mo
Deposit HK$2.52M · loan HK$3.77M · min. income ≈ HK$40,370/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$164,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,083
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$20,708
−HK$635/mo
Today · 4.125%
HK$21,343
baseline
▲ 0.50% · 4.625%
HK$22,641
+HK$1,298/mo
Deposit HK$1.89M · loan HK$4.40M · min. income ≈ HK$42,686/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$164,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,342
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$22,942
−HK$608/mo
Today · 4.125%
HK$23,550
baseline
▲ 0.50% · 4.625%
HK$24,791
+HK$1,241/mo
Deposit HK$1.89M · loan HK$4.40M · min. income ≈ HK$47,100/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$164,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,821
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$26,625
−HK$816/mo
Today · 4.125%
HK$27,441
baseline
▲ 0.50% · 4.625%
HK$29,110
+HK$1,669/mo
Deposit HK$629K · loan HK$5.66M · min. income ≈ HK$54,882/mo (50% DSR)
Upfront cash ≈ HK$793K (deposit + AVD stamp duty HK$164,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,726
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$29,496
−HK$782/mo
Today · 4.125%
HK$30,278
baseline
▲ 0.50% · 4.625%
HK$31,874
+HK$1,596/mo
Deposit HK$629K · loan HK$5.66M · min. income ≈ HK$60,556/mo (50% DSR)
Upfront cash ≈ HK$793K (deposit + AVD stamp duty HK$164,104 · 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).