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$14,294
−HK$896/mo
▼ 0.25% · 3.875%
HK$14,738
−HK$452/mo
Today · 4.125%
HK$15,190
baseline
▲ 0.50% · 4.625%
HK$16,114
+HK$924/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$30,380/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$161,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,901
−HK$859/mo
▼ 0.25% · 3.875%
HK$16,328
−HK$432/mo
Today · 4.125%
HK$16,760
baseline
▲ 0.50% · 4.625%
HK$17,644
+HK$884/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$33,520/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$161,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,152
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$17,686
−HK$542/mo
Today · 4.125%
HK$18,228
baseline
▲ 0.50% · 4.625%
HK$19,337
+HK$1,109/mo
Deposit HK$2.51M · loan HK$3.76M · min. income ≈ HK$36,456/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$161,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,082
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$19,593
−HK$520/mo
Today · 4.125%
HK$20,113
baseline
▲ 0.50% · 4.625%
HK$21,173
+HK$1,060/mo
Deposit HK$2.51M · loan HK$3.76M · min. income ≈ HK$40,226/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$161,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,011
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$20,633
−HK$633/mo
Today · 4.125%
HK$21,266
baseline
▲ 0.50% · 4.625%
HK$22,560
+HK$1,294/mo
Deposit HK$1.88M · loan HK$4.39M · min. income ≈ HK$42,532/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$161,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,262
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$22,859
−HK$606/mo
Today · 4.125%
HK$23,465
baseline
▲ 0.50% · 4.625%
HK$24,702
+HK$1,237/mo
Deposit HK$1.88M · loan HK$4.39M · min. income ≈ HK$46,930/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$161,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,728
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$26,529
−HK$813/mo
Today · 4.125%
HK$27,342
baseline
▲ 0.50% · 4.625%
HK$29,005
+HK$1,663/mo
Deposit HK$627K · loan HK$5.64M · min. income ≈ HK$54,684/mo (50% DSR)
Upfront cash ≈ HK$789K (deposit + AVD stamp duty HK$161,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,622
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$29,390
−HK$779/mo
Today · 4.125%
HK$30,169
baseline
▲ 0.50% · 4.625%
HK$31,759
+HK$1,590/mo
Deposit HK$627K · loan HK$5.64M · min. income ≈ HK$60,338/mo (50% DSR)
Upfront cash ≈ HK$789K (deposit + AVD stamp duty HK$161,838 · 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).