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$14,313
−HK$898/mo
▼ 0.25% · 3.875%
HK$14,759
−HK$452/mo
Today · 4.125%
HK$15,211
baseline
▲ 0.50% · 4.625%
HK$16,136
+HK$925/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$30,422/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$162,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,923
−HK$861/mo
▼ 0.25% · 3.875%
HK$16,351
−HK$433/mo
Today · 4.125%
HK$16,784
baseline
▲ 0.50% · 4.625%
HK$17,668
+HK$884/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$33,568/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$162,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,176
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$17,710
−HK$543/mo
Today · 4.125%
HK$18,253
baseline
▲ 0.50% · 4.625%
HK$19,364
+HK$1,111/mo
Deposit HK$2.51M · loan HK$3.77M · min. income ≈ HK$36,506/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$162,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,108
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$19,621
−HK$520/mo
Today · 4.125%
HK$20,141
baseline
▲ 0.50% · 4.625%
HK$21,202
+HK$1,061/mo
Deposit HK$2.51M · loan HK$3.77M · min. income ≈ HK$40,282/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$162,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,039
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$20,662
−HK$633/mo
Today · 4.125%
HK$21,295
baseline
▲ 0.50% · 4.625%
HK$22,591
+HK$1,296/mo
Deposit HK$1.88M · loan HK$4.39M · min. income ≈ HK$42,590/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$162,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,293
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$22,891
−HK$606/mo
Today · 4.125%
HK$23,497
baseline
▲ 0.50% · 4.625%
HK$24,736
+HK$1,239/mo
Deposit HK$1.88M · loan HK$4.39M · min. income ≈ HK$46,994/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$162,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,764
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$26,565
−HK$815/mo
Today · 4.125%
HK$27,380
baseline
▲ 0.50% · 4.625%
HK$29,046
+HK$1,666/mo
Deposit HK$628K · loan HK$5.65M · min. income ≈ HK$54,760/mo (50% DSR)
Upfront cash ≈ HK$790K (deposit + AVD stamp duty HK$162,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,662
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$29,431
−HK$780/mo
Today · 4.125%
HK$30,211
baseline
▲ 0.50% · 4.625%
HK$31,803
+HK$1,592/mo
Deposit HK$628K · loan HK$5.65M · min. income ≈ HK$60,422/mo (50% DSR)
Upfront cash ≈ HK$790K (deposit + AVD stamp duty HK$162,709 · 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).