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$14,365
−HK$901/mo
▼ 0.25% · 3.875%
HK$14,812
−HK$454/mo
Today · 4.125%
HK$15,266
baseline
▲ 0.50% · 4.625%
HK$16,195
+HK$929/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$30,532/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$164,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,981
−HK$864/mo
▼ 0.25% · 3.875%
HK$16,410
−HK$435/mo
Today · 4.125%
HK$16,845
baseline
▲ 0.50% · 4.625%
HK$17,732
+HK$887/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$33,690/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$164,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,238
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,774
−HK$545/mo
Today · 4.125%
HK$18,319
baseline
▲ 0.50% · 4.625%
HK$19,434
+HK$1,115/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$36,638/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$164,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,177
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$19,692
−HK$522/mo
Today · 4.125%
HK$20,214
baseline
▲ 0.50% · 4.625%
HK$21,279
+HK$1,065/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$40,428/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$164,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,111
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$20,737
−HK$635/mo
Today · 4.125%
HK$21,372
baseline
▲ 0.50% · 4.625%
HK$22,673
+HK$1,301/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$42,744/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$164,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,374
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$22,974
−HK$608/mo
Today · 4.125%
HK$23,582
baseline
▲ 0.50% · 4.625%
HK$24,825
+HK$1,243/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$47,164/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$164,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,857
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,662
−HK$817/mo
Today · 4.125%
HK$27,479
baseline
▲ 0.50% · 4.625%
HK$29,151
+HK$1,672/mo
Deposit HK$630K · loan HK$5.67M · min. income ≈ HK$54,958/mo (50% DSR)
Upfront cash ≈ HK$795K (deposit + AVD stamp duty HK$164,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,766
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,538
−HK$782/mo
Today · 4.125%
HK$30,320
baseline
▲ 0.50% · 4.625%
HK$31,918
+HK$1,598/mo
Deposit HK$630K · loan HK$5.67M · min. income ≈ HK$60,640/mo (50% DSR)
Upfront cash ≈ HK$795K (deposit + AVD stamp duty HK$164,984 · 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).