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$14,340
−HK$900/mo
▼ 0.25% · 3.875%
HK$14,787
−HK$453/mo
Today · 4.125%
HK$15,240
baseline
▲ 0.50% · 4.625%
HK$16,167
+HK$927/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$30,480/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$163,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,954
−HK$862/mo
▼ 0.25% · 3.875%
HK$16,381
−HK$435/mo
Today · 4.125%
HK$16,816
baseline
▲ 0.50% · 4.625%
HK$17,702
+HK$886/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$33,632/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$163,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,209
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$17,744
−HK$544/mo
Today · 4.125%
HK$18,288
baseline
▲ 0.50% · 4.625%
HK$19,400
+HK$1,112/mo
Deposit HK$2.52M · loan HK$3.77M · min. income ≈ HK$36,576/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$163,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,144
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$19,658
−HK$521/mo
Today · 4.125%
HK$20,179
baseline
▲ 0.50% · 4.625%
HK$21,242
+HK$1,063/mo
Deposit HK$2.52M · loan HK$3.77M · min. income ≈ HK$40,358/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$163,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,077
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$20,701
−HK$635/mo
Today · 4.125%
HK$21,336
baseline
▲ 0.50% · 4.625%
HK$22,634
+HK$1,298/mo
Deposit HK$1.89M · loan HK$4.40M · min. income ≈ HK$42,672/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$163,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,335
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$22,934
−HK$608/mo
Today · 4.125%
HK$23,542
baseline
▲ 0.50% · 4.625%
HK$24,783
+HK$1,241/mo
Deposit HK$1.89M · loan HK$4.40M · min. income ≈ HK$47,084/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$163,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,813
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$26,616
−HK$816/mo
Today · 4.125%
HK$27,432
baseline
▲ 0.50% · 4.625%
HK$29,101
+HK$1,669/mo
Deposit HK$629K · loan HK$5.66M · min. income ≈ HK$54,864/mo (50% DSR)
Upfront cash ≈ HK$793K (deposit + AVD stamp duty HK$163,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,717
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$29,487
−HK$781/mo
Today · 4.125%
HK$30,268
baseline
▲ 0.50% · 4.625%
HK$31,863
+HK$1,595/mo
Deposit HK$629K · loan HK$5.66M · min. income ≈ HK$60,536/mo (50% DSR)
Upfront cash ≈ HK$793K (deposit + AVD stamp duty HK$163,898 · 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).