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$14,398
−HK$903/mo
▼ 0.25% · 3.875%
HK$14,846
−HK$455/mo
Today · 4.125%
HK$15,301
baseline
▲ 0.50% · 4.625%
HK$16,232
+HK$931/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$30,602/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$166,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,018
−HK$865/mo
▼ 0.25% · 3.875%
HK$16,448
−HK$435/mo
Today · 4.125%
HK$16,883
baseline
▲ 0.50% · 4.625%
HK$17,773
+HK$890/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$33,766/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$166,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,278
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$17,815
−HK$546/mo
Today · 4.125%
HK$18,361
baseline
▲ 0.50% · 4.625%
HK$19,479
+HK$1,118/mo
Deposit HK$2.53M · loan HK$3.79M · min. income ≈ HK$36,722/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$166,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,222
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$19,737
−HK$523/mo
Today · 4.125%
HK$20,260
baseline
▲ 0.50% · 4.625%
HK$21,328
+HK$1,068/mo
Deposit HK$2.53M · loan HK$3.79M · min. income ≈ HK$40,520/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$166,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,158
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$20,785
−HK$637/mo
Today · 4.125%
HK$21,422
baseline
▲ 0.50% · 4.625%
HK$22,725
+HK$1,303/mo
Deposit HK$1.89M · loan HK$4.42M · min. income ≈ HK$42,844/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$166,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,425
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$23,027
−HK$610/mo
Today · 4.125%
HK$23,637
baseline
▲ 0.50% · 4.625%
HK$24,883
+HK$1,246/mo
Deposit HK$1.89M · loan HK$4.42M · min. income ≈ HK$47,274/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$166,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,917
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$26,723
−HK$819/mo
Today · 4.125%
HK$27,542
baseline
▲ 0.50% · 4.625%
HK$29,218
+HK$1,676/mo
Deposit HK$631K · loan HK$5.68M · min. income ≈ HK$55,084/mo (50% DSR)
Upfront cash ≈ HK$798K (deposit + AVD stamp duty HK$166,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,832
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$29,606
−HK$784/mo
Today · 4.125%
HK$30,390
baseline
▲ 0.50% · 4.625%
HK$31,992
+HK$1,602/mo
Deposit HK$631K · loan HK$5.68M · min. income ≈ HK$60,780/mo (50% DSR)
Upfront cash ≈ HK$798K (deposit + AVD stamp duty HK$166,434 · 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).