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$14,291
−HK$896/mo
▼ 0.25% · 3.875%
HK$14,736
−HK$451/mo
Today · 4.125%
HK$15,187
baseline
▲ 0.50% · 4.625%
HK$16,112
+HK$925/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$30,374/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$161,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,899
−HK$859/mo
▼ 0.25% · 3.875%
HK$16,325
−HK$433/mo
Today · 4.125%
HK$16,758
baseline
▲ 0.50% · 4.625%
HK$17,641
+HK$883/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$33,516/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$161,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,150
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$17,683
−HK$542/mo
Today · 4.125%
HK$18,225
baseline
▲ 0.50% · 4.625%
HK$19,334
+HK$1,109/mo
Deposit HK$2.51M · loan HK$3.76M · min. income ≈ HK$36,450/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$161,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,079
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,590
−HK$519/mo
Today · 4.125%
HK$20,109
baseline
▲ 0.50% · 4.625%
HK$21,169
+HK$1,060/mo
Deposit HK$2.51M · loan HK$3.76M · min. income ≈ HK$40,218/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$161,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,008
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$20,630
−HK$632/mo
Today · 4.125%
HK$21,262
baseline
▲ 0.50% · 4.625%
HK$22,556
+HK$1,294/mo
Deposit HK$1.88M · loan HK$4.39M · min. income ≈ HK$42,524/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$161,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,258
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$22,855
−HK$606/mo
Today · 4.125%
HK$23,461
baseline
▲ 0.50% · 4.625%
HK$24,698
+HK$1,237/mo
Deposit HK$1.88M · loan HK$4.39M · min. income ≈ HK$46,922/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$161,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,724
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$26,524
−HK$813/mo
Today · 4.125%
HK$27,337
baseline
▲ 0.50% · 4.625%
HK$29,001
+HK$1,664/mo
Deposit HK$627K · loan HK$5.64M · min. income ≈ HK$54,674/mo (50% DSR)
Upfront cash ≈ HK$788K (deposit + AVD stamp duty HK$161,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,618
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$29,386
−HK$778/mo
Today · 4.125%
HK$30,164
baseline
▲ 0.50% · 4.625%
HK$31,754
+HK$1,590/mo
Deposit HK$627K · loan HK$5.64M · min. income ≈ HK$60,328/mo (50% DSR)
Upfront cash ≈ HK$788K (deposit + AVD stamp duty HK$161,740 · 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).