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$14,360
−HK$901/mo
▼ 0.25% · 3.875%
HK$14,807
−HK$454/mo
Today · 4.125%
HK$15,261
baseline
▲ 0.50% · 4.625%
HK$16,189
+HK$928/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$30,522/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$164,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,976
−HK$863/mo
▼ 0.25% · 3.875%
HK$16,404
−HK$435/mo
Today · 4.125%
HK$16,839
baseline
▲ 0.50% · 4.625%
HK$17,726
+HK$887/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$33,678/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$164,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,232
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,768
−HK$545/mo
Today · 4.125%
HK$18,313
baseline
▲ 0.50% · 4.625%
HK$19,427
+HK$1,114/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$36,626/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$164,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,171
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$19,685
−HK$522/mo
Today · 4.125%
HK$20,207
baseline
▲ 0.50% · 4.625%
HK$21,272
+HK$1,065/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$40,414/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$164,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,104
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$20,730
−HK$635/mo
Today · 4.125%
HK$21,365
baseline
▲ 0.50% · 4.625%
HK$22,665
+HK$1,300/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$42,730/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$164,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,366
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$22,966
−HK$608/mo
Today · 4.125%
HK$23,574
baseline
▲ 0.50% · 4.625%
HK$24,817
+HK$1,243/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$47,148/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$164,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,849
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$26,653
−HK$816/mo
Today · 4.125%
HK$27,469
baseline
▲ 0.50% · 4.625%
HK$29,141
+HK$1,672/mo
Deposit HK$630K · loan HK$5.67M · min. income ≈ HK$54,938/mo (50% DSR)
Upfront cash ≈ HK$795K (deposit + AVD stamp duty HK$164,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,756
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,527
−HK$783/mo
Today · 4.125%
HK$30,310
baseline
▲ 0.50% · 4.625%
HK$31,908
+HK$1,598/mo
Deposit HK$630K · loan HK$5.67M · min. income ≈ HK$60,620/mo (50% DSR)
Upfront cash ≈ HK$795K (deposit + AVD stamp duty HK$164,767 · 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).