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$14,391
−HK$903/mo
▼ 0.25% · 3.875%
HK$14,839
−HK$455/mo
Today · 4.125%
HK$15,294
baseline
▲ 0.50% · 4.625%
HK$16,224
+HK$930/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$30,588/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$166,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,010
−HK$865/mo
▼ 0.25% · 3.875%
HK$16,439
−HK$436/mo
Today · 4.125%
HK$16,875
baseline
▲ 0.50% · 4.625%
HK$17,765
+HK$890/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$33,750/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$166,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,269
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$17,807
−HK$545/mo
Today · 4.125%
HK$18,352
baseline
▲ 0.50% · 4.625%
HK$19,469
+HK$1,117/mo
Deposit HK$2.52M · loan HK$3.79M · min. income ≈ HK$36,704/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$166,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,212
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$19,727
−HK$523/mo
Today · 4.125%
HK$20,250
baseline
▲ 0.50% · 4.625%
HK$21,318
+HK$1,068/mo
Deposit HK$2.52M · loan HK$3.79M · min. income ≈ HK$40,500/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$166,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,148
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$20,774
−HK$637/mo
Today · 4.125%
HK$21,411
baseline
▲ 0.50% · 4.625%
HK$22,714
+HK$1,303/mo
Deposit HK$1.89M · loan HK$4.42M · min. income ≈ HK$42,822/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$166,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,414
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,015
−HK$610/mo
Today · 4.125%
HK$23,625
baseline
▲ 0.50% · 4.625%
HK$24,870
+HK$1,245/mo
Deposit HK$1.89M · loan HK$4.42M · min. income ≈ HK$47,250/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$166,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,904
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$26,710
−HK$819/mo
Today · 4.125%
HK$27,529
baseline
▲ 0.50% · 4.625%
HK$29,204
+HK$1,675/mo
Deposit HK$631K · loan HK$5.68M · min. income ≈ HK$55,058/mo (50% DSR)
Upfront cash ≈ HK$797K (deposit + AVD stamp duty HK$166,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,818
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$29,591
−HK$784/mo
Today · 4.125%
HK$30,375
baseline
▲ 0.50% · 4.625%
HK$31,976
+HK$1,601/mo
Deposit HK$631K · loan HK$5.68M · min. income ≈ HK$60,750/mo (50% DSR)
Upfront cash ≈ HK$797K (deposit + AVD stamp duty HK$166,124 · 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).