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$14,338
−HK$900/mo
▼ 0.25% · 3.875%
HK$14,784
−HK$454/mo
Today · 4.125%
HK$15,238
baseline
▲ 0.50% · 4.625%
HK$16,165
+HK$927/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$30,476/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$163,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,951
−HK$862/mo
▼ 0.25% · 3.875%
HK$16,379
−HK$434/mo
Today · 4.125%
HK$16,813
baseline
▲ 0.50% · 4.625%
HK$17,699
+HK$886/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$33,626/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$163,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,206
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$17,741
−HK$544/mo
Today · 4.125%
HK$18,285
baseline
▲ 0.50% · 4.625%
HK$19,398
+HK$1,113/mo
Deposit HK$2.52M · loan HK$3.77M · min. income ≈ HK$36,570/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$163,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,142
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$19,655
−HK$521/mo
Today · 4.125%
HK$20,176
baseline
▲ 0.50% · 4.625%
HK$21,239
+HK$1,063/mo
Deposit HK$2.52M · loan HK$3.77M · min. income ≈ HK$40,352/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$163,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,074
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$20,698
−HK$635/mo
Today · 4.125%
HK$21,333
baseline
▲ 0.50% · 4.625%
HK$22,631
+HK$1,298/mo
Deposit HK$1.89M · loan HK$4.40M · min. income ≈ HK$42,666/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$163,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,332
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$22,931
−HK$607/mo
Today · 4.125%
HK$23,538
baseline
▲ 0.50% · 4.625%
HK$24,779
+HK$1,241/mo
Deposit HK$1.89M · loan HK$4.40M · min. income ≈ HK$47,076/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$163,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,809
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$26,612
−HK$816/mo
Today · 4.125%
HK$27,428
baseline
▲ 0.50% · 4.625%
HK$29,097
+HK$1,669/mo
Deposit HK$629K · loan HK$5.66M · min. income ≈ HK$54,856/mo (50% DSR)
Upfront cash ≈ HK$793K (deposit + AVD stamp duty HK$163,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,712
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$29,482
−HK$782/mo
Today · 4.125%
HK$30,264
baseline
▲ 0.50% · 4.625%
HK$31,859
+HK$1,595/mo
Deposit HK$629K · loan HK$5.66M · min. income ≈ HK$60,528/mo (50% DSR)
Upfront cash ≈ HK$793K (deposit + AVD stamp duty HK$163,808 · 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).