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$14,371
−HK$901/mo
▼ 0.25% · 3.875%
HK$14,818
−HK$454/mo
Today · 4.125%
HK$15,272
baseline
▲ 0.50% · 4.625%
HK$16,202
+HK$930/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$30,544/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$165,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,988
−HK$863/mo
▼ 0.25% · 3.875%
HK$16,416
−HK$435/mo
Today · 4.125%
HK$16,851
baseline
▲ 0.50% · 4.625%
HK$17,740
+HK$889/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$33,702/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$165,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,245
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$17,782
−HK$545/mo
Today · 4.125%
HK$18,327
baseline
▲ 0.50% · 4.625%
HK$19,442
+HK$1,115/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$36,654/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$165,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,185
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$19,700
−HK$522/mo
Today · 4.125%
HK$20,222
baseline
▲ 0.50% · 4.625%
HK$21,288
+HK$1,066/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$40,444/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$165,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,119
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$20,745
−HK$636/mo
Today · 4.125%
HK$21,381
baseline
▲ 0.50% · 4.625%
HK$22,682
+HK$1,301/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$42,762/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$165,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,383
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$22,983
−HK$609/mo
Today · 4.125%
HK$23,592
baseline
▲ 0.50% · 4.625%
HK$24,836
+HK$1,244/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$47,184/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$165,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,868
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,672
−HK$818/mo
Today · 4.125%
HK$27,490
baseline
▲ 0.50% · 4.625%
HK$29,163
+HK$1,673/mo
Deposit HK$630K · loan HK$5.67M · min. income ≈ HK$54,980/mo (50% DSR)
Upfront cash ≈ HK$795K (deposit + AVD stamp duty HK$165,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,778
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$29,550
−HK$783/mo
Today · 4.125%
HK$30,333
baseline
▲ 0.50% · 4.625%
HK$31,931
+HK$1,598/mo
Deposit HK$630K · loan HK$5.67M · min. income ≈ HK$60,666/mo (50% DSR)
Upfront cash ≈ HK$795K (deposit + AVD stamp duty HK$165,238 · 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).