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$14,283
−HK$895/mo
▼ 0.25% · 3.875%
HK$14,727
−HK$451/mo
Today · 4.125%
HK$15,178
baseline
▲ 0.50% · 4.625%
HK$16,102
+HK$924/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$30,356/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$161,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,889
−HK$859/mo
▼ 0.25% · 3.875%
HK$16,316
−HK$432/mo
Today · 4.125%
HK$16,748
baseline
▲ 0.50% · 4.625%
HK$17,631
+HK$883/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$33,496/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$161,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,139
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$17,672
−HK$542/mo
Today · 4.125%
HK$18,214
baseline
▲ 0.50% · 4.625%
HK$19,322
+HK$1,108/mo
Deposit HK$2.51M · loan HK$3.76M · min. income ≈ HK$36,428/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$161,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,067
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,579
−HK$518/mo
Today · 4.125%
HK$20,097
baseline
▲ 0.50% · 4.625%
HK$21,157
+HK$1,060/mo
Deposit HK$2.51M · loan HK$3.76M · min. income ≈ HK$40,194/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$161,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,996
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$20,618
−HK$632/mo
Today · 4.125%
HK$21,250
baseline
▲ 0.50% · 4.625%
HK$22,543
+HK$1,293/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$42,500/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$161,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,245
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$22,842
−HK$605/mo
Today · 4.125%
HK$23,447
baseline
▲ 0.50% · 4.625%
HK$24,683
+HK$1,236/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$46,894/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$161,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,709
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$26,509
−HK$812/mo
Today · 4.125%
HK$27,321
baseline
▲ 0.50% · 4.625%
HK$28,984
+HK$1,663/mo
Deposit HK$626K · loan HK$5.64M · min. income ≈ HK$54,642/mo (50% DSR)
Upfront cash ≈ HK$788K (deposit + AVD stamp duty HK$161,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,601
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$29,368
−HK$778/mo
Today · 4.125%
HK$30,146
baseline
▲ 0.50% · 4.625%
HK$31,735
+HK$1,589/mo
Deposit HK$626K · loan HK$5.64M · min. income ≈ HK$60,292/mo (50% DSR)
Upfront cash ≈ HK$788K (deposit + AVD stamp duty HK$161,368 · 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).