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$14,329
−HK$899/mo
▼ 0.25% · 3.875%
HK$14,775
−HK$453/mo
Today · 4.125%
HK$15,228
baseline
▲ 0.50% · 4.625%
HK$16,154
+HK$926/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$30,456/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$163,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,941
−HK$861/mo
▼ 0.25% · 3.875%
HK$16,368
−HK$434/mo
Today · 4.125%
HK$16,802
baseline
▲ 0.50% · 4.625%
HK$17,688
+HK$886/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$33,604/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$163,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,195
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$17,730
−HK$543/mo
Today · 4.125%
HK$18,273
baseline
▲ 0.50% · 4.625%
HK$19,385
+HK$1,112/mo
Deposit HK$2.51M · loan HK$3.77M · min. income ≈ HK$36,546/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$163,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,129
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$19,642
−HK$521/mo
Today · 4.125%
HK$20,163
baseline
▲ 0.50% · 4.625%
HK$21,225
+HK$1,062/mo
Deposit HK$2.51M · loan HK$3.77M · min. income ≈ HK$40,326/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$163,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,061
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$20,685
−HK$634/mo
Today · 4.125%
HK$21,319
baseline
▲ 0.50% · 4.625%
HK$22,616
+HK$1,297/mo
Deposit HK$1.89M · loan HK$4.40M · min. income ≈ HK$42,638/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$163,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,317
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$22,916
−HK$607/mo
Today · 4.125%
HK$23,523
baseline
▲ 0.50% · 4.625%
HK$24,763
+HK$1,240/mo
Deposit HK$1.89M · loan HK$4.40M · min. income ≈ HK$47,046/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$163,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,792
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$26,595
−HK$815/mo
Today · 4.125%
HK$27,410
baseline
▲ 0.50% · 4.625%
HK$29,077
+HK$1,667/mo
Deposit HK$628K · loan HK$5.66M · min. income ≈ HK$54,820/mo (50% DSR)
Upfront cash ≈ HK$792K (deposit + AVD stamp duty HK$163,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,694
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$29,463
−HK$781/mo
Today · 4.125%
HK$30,244
baseline
▲ 0.50% · 4.625%
HK$31,838
+HK$1,594/mo
Deposit HK$628K · loan HK$5.66M · min. income ≈ HK$60,488/mo (50% DSR)
Upfront cash ≈ HK$792K (deposit + AVD stamp duty HK$163,396 · 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).