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$166,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,018
−HK$865/mo
▼ 0.25% · 3.875%
HK$16,447
−HK$436/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$166,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,277
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$17,815
−HK$546/mo
Today · 4.125%
HK$18,361
baseline
▲ 0.50% · 4.625%
HK$19,478
+HK$1,117/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$166,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,221
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$19,737
−HK$522/mo
Today · 4.125%
HK$20,259
baseline
▲ 0.50% · 4.625%
HK$21,327
+HK$1,068/mo
Deposit HK$2.53M · loan HK$3.79M · min. income ≈ HK$40,518/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$166,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,157
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$20,784
−HK$637/mo
Today · 4.125%
HK$21,421
baseline
▲ 0.50% · 4.625%
HK$22,724
+HK$1,303/mo
Deposit HK$1.89M · loan HK$4.42M · min. income ≈ HK$42,842/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$166,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,425
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,026
−HK$610/mo
Today · 4.125%
HK$23,636
baseline
▲ 0.50% · 4.625%
HK$24,882
+HK$1,246/mo
Deposit HK$1.89M · loan HK$4.42M · min. income ≈ HK$47,272/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$166,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,916
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$26,722
−HK$819/mo
Today · 4.125%
HK$27,541
baseline
▲ 0.50% · 4.625%
HK$29,217
+HK$1,676/mo
Deposit HK$631K · loan HK$5.68M · min. income ≈ HK$55,082/mo (50% DSR)
Upfront cash ≈ HK$798K (deposit + AVD stamp duty HK$166,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,832
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$29,605
−HK$784/mo
Today · 4.125%
HK$30,389
baseline
▲ 0.50% · 4.625%
HK$31,991
+HK$1,602/mo
Deposit HK$631K · loan HK$5.68M · min. income ≈ HK$60,778/mo (50% DSR)
Upfront cash ≈ HK$798K (deposit + AVD stamp duty HK$166,416 · 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).