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$14,356
−HK$900/mo
▼ 0.25% · 3.875%
HK$14,803
−HK$453/mo
Today · 4.125%
HK$15,256
baseline
▲ 0.50% · 4.625%
HK$16,185
+HK$929/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$30,512/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$164,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,971
−HK$863/mo
▼ 0.25% · 3.875%
HK$16,399
−HK$435/mo
Today · 4.125%
HK$16,834
baseline
▲ 0.50% · 4.625%
HK$17,721
+HK$887/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$33,668/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$164,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,227
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,763
−HK$545/mo
Today · 4.125%
HK$18,308
baseline
▲ 0.50% · 4.625%
HK$19,422
+HK$1,114/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$36,616/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$164,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,165
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$19,679
−HK$522/mo
Today · 4.125%
HK$20,201
baseline
▲ 0.50% · 4.625%
HK$21,265
+HK$1,064/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$40,402/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$164,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,098
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$20,724
−HK$635/mo
Today · 4.125%
HK$21,359
baseline
▲ 0.50% · 4.625%
HK$22,658
+HK$1,299/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$42,718/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$164,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,359
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$22,959
−HK$608/mo
Today · 4.125%
HK$23,567
baseline
▲ 0.50% · 4.625%
HK$24,810
+HK$1,243/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$47,134/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$164,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,841
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$26,645
−HK$816/mo
Today · 4.125%
HK$27,461
baseline
▲ 0.50% · 4.625%
HK$29,132
+HK$1,671/mo
Deposit HK$630K · loan HK$5.67M · min. income ≈ HK$54,922/mo (50% DSR)
Upfront cash ≈ HK$794K (deposit + AVD stamp duty HK$164,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,748
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$29,519
−HK$782/mo
Today · 4.125%
HK$30,301
baseline
▲ 0.50% · 4.625%
HK$31,898
+HK$1,597/mo
Deposit HK$630K · loan HK$5.67M · min. income ≈ HK$60,602/mo (50% DSR)
Upfront cash ≈ HK$794K (deposit + AVD stamp duty HK$164,580 · 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).