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$14,381
−HK$901/mo
▼ 0.25% · 3.875%
HK$14,828
−HK$454/mo
Today · 4.125%
HK$15,282
baseline
▲ 0.50% · 4.625%
HK$16,212
+HK$930/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$30,564/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$165,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,998
−HK$865/mo
▼ 0.25% · 3.875%
HK$16,427
−HK$436/mo
Today · 4.125%
HK$16,863
baseline
▲ 0.50% · 4.625%
HK$17,751
+HK$888/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$33,726/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$165,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,257
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$17,793
−HK$546/mo
Today · 4.125%
HK$18,339
baseline
▲ 0.50% · 4.625%
HK$19,455
+HK$1,116/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$36,678/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$165,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,198
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$19,713
−HK$522/mo
Today · 4.125%
HK$20,235
baseline
▲ 0.50% · 4.625%
HK$21,302
+HK$1,067/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$40,470/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$165,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,133
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$20,759
−HK$636/mo
Today · 4.125%
HK$21,395
baseline
▲ 0.50% · 4.625%
HK$22,697
+HK$1,302/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$42,790/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$165,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,397
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$22,998
−HK$610/mo
Today · 4.125%
HK$23,608
baseline
▲ 0.50% · 4.625%
HK$24,852
+HK$1,244/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$47,216/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$165,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,885
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$26,690
−HK$818/mo
Today · 4.125%
HK$27,508
baseline
▲ 0.50% · 4.625%
HK$29,182
+HK$1,674/mo
Deposit HK$631K · loan HK$5.68M · min. income ≈ HK$55,016/mo (50% DSR)
Upfront cash ≈ HK$796K (deposit + AVD stamp duty HK$165,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,797
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$29,569
−HK$784/mo
Today · 4.125%
HK$30,353
baseline
▲ 0.50% · 4.625%
HK$31,952
+HK$1,599/mo
Deposit HK$631K · loan HK$5.68M · min. income ≈ HK$60,706/mo (50% DSR)
Upfront cash ≈ HK$796K (deposit + AVD stamp duty HK$165,654 · 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).