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$14,321
−HK$898/mo
▼ 0.25% · 3.875%
HK$14,766
−HK$453/mo
Today · 4.125%
HK$15,219
baseline
▲ 0.50% · 4.625%
HK$16,145
+HK$926/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$30,438/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$163,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,932
−HK$860/mo
▼ 0.25% · 3.875%
HK$16,359
−HK$433/mo
Today · 4.125%
HK$16,792
baseline
▲ 0.50% · 4.625%
HK$17,678
+HK$886/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$33,584/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$163,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,185
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$17,719
−HK$543/mo
Today · 4.125%
HK$18,262
baseline
▲ 0.50% · 4.625%
HK$19,374
+HK$1,112/mo
Deposit HK$2.51M · loan HK$3.77M · min. income ≈ HK$36,524/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$163,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,118
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$19,631
−HK$520/mo
Today · 4.125%
HK$20,151
baseline
▲ 0.50% · 4.625%
HK$21,213
+HK$1,062/mo
Deposit HK$2.51M · loan HK$3.77M · min. income ≈ HK$40,302/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$163,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,049
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$20,673
−HK$633/mo
Today · 4.125%
HK$21,306
baseline
▲ 0.50% · 4.625%
HK$22,603
+HK$1,297/mo
Deposit HK$1.88M · loan HK$4.40M · min. income ≈ HK$42,612/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$163,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,304
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$22,902
−HK$607/mo
Today · 4.125%
HK$23,509
baseline
▲ 0.50% · 4.625%
HK$24,749
+HK$1,240/mo
Deposit HK$1.88M · loan HK$4.40M · min. income ≈ HK$47,018/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$163,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,777
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$26,579
−HK$815/mo
Today · 4.125%
HK$27,394
baseline
▲ 0.50% · 4.625%
HK$29,061
+HK$1,667/mo
Deposit HK$628K · loan HK$5.65M · min. income ≈ HK$54,788/mo (50% DSR)
Upfront cash ≈ HK$791K (deposit + AVD stamp duty HK$163,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,677
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$29,446
−HK$780/mo
Today · 4.125%
HK$30,226
baseline
▲ 0.50% · 4.625%
HK$31,820
+HK$1,594/mo
Deposit HK$628K · loan HK$5.65M · min. income ≈ HK$60,452/mo (50% DSR)
Upfront cash ≈ HK$791K (deposit + AVD stamp duty HK$163,031 · 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).