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$14,370
−HK$901/mo
▼ 0.25% · 3.875%
HK$14,817
−HK$454/mo
Today · 4.125%
HK$15,271
baseline
▲ 0.50% · 4.625%
HK$16,201
+HK$930/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$30,542/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$165,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,987
−HK$863/mo
▼ 0.25% · 3.875%
HK$16,415
−HK$435/mo
Today · 4.125%
HK$16,850
baseline
▲ 0.50% · 4.625%
HK$17,739
+HK$889/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$33,700/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$165,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,244
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$17,781
−HK$545/mo
Today · 4.125%
HK$18,326
baseline
▲ 0.50% · 4.625%
HK$19,441
+HK$1,115/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$36,652/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$165,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,184
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$19,699
−HK$522/mo
Today · 4.125%
HK$20,221
baseline
▲ 0.50% · 4.625%
HK$21,286
+HK$1,065/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$40,442/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$165,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,118
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$20,744
−HK$636/mo
Today · 4.125%
HK$21,380
baseline
▲ 0.50% · 4.625%
HK$22,681
+HK$1,301/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$42,760/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$165,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,381
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$22,982
−HK$609/mo
Today · 4.125%
HK$23,591
baseline
▲ 0.50% · 4.625%
HK$24,834
+HK$1,243/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$47,182/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$165,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,866
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,671
−HK$817/mo
Today · 4.125%
HK$27,488
baseline
▲ 0.50% · 4.625%
HK$29,161
+HK$1,673/mo
Deposit HK$630K · loan HK$5.67M · min. income ≈ HK$54,976/mo (50% DSR)
Upfront cash ≈ HK$795K (deposit + AVD stamp duty HK$165,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,776
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$29,548
−HK$783/mo
Today · 4.125%
HK$30,331
baseline
▲ 0.50% · 4.625%
HK$31,930
+HK$1,599/mo
Deposit HK$630K · loan HK$5.67M · min. income ≈ HK$60,662/mo (50% DSR)
Upfront cash ≈ HK$795K (deposit + AVD stamp duty HK$165,203 · 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).