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$14,369
−HK$902/mo
▼ 0.25% · 3.875%
HK$14,816
−HK$455/mo
Today · 4.125%
HK$15,271
baseline
▲ 0.50% · 4.625%
HK$16,200
+HK$929/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$30,542/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$165,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,986
−HK$864/mo
▼ 0.25% · 3.875%
HK$16,415
−HK$435/mo
Today · 4.125%
HK$16,850
baseline
▲ 0.50% · 4.625%
HK$17,738
+HK$888/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$33,700/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$165,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,243
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$17,780
−HK$545/mo
Today · 4.125%
HK$18,325
baseline
▲ 0.50% · 4.625%
HK$19,440
+HK$1,115/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$36,650/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$165,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,183
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$19,697
−HK$522/mo
Today · 4.125%
HK$20,219
baseline
▲ 0.50% · 4.625%
HK$21,285
+HK$1,066/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$40,438/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$165,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,117
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$20,743
−HK$636/mo
Today · 4.125%
HK$21,379
baseline
▲ 0.50% · 4.625%
HK$22,680
+HK$1,301/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$42,758/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$165,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,380
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$22,980
−HK$609/mo
Today · 4.125%
HK$23,589
baseline
▲ 0.50% · 4.625%
HK$24,833
+HK$1,244/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$47,178/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$165,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,865
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,670
−HK$817/mo
Today · 4.125%
HK$27,487
baseline
▲ 0.50% · 4.625%
HK$29,159
+HK$1,672/mo
Deposit HK$630K · loan HK$5.67M · min. income ≈ HK$54,974/mo (50% DSR)
Upfront cash ≈ HK$795K (deposit + AVD stamp duty HK$165,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,775
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,546
−HK$783/mo
Today · 4.125%
HK$30,329
baseline
▲ 0.50% · 4.625%
HK$31,928
+HK$1,599/mo
Deposit HK$630K · loan HK$5.67M · min. income ≈ HK$60,658/mo (50% DSR)
Upfront cash ≈ HK$795K (deposit + AVD stamp duty HK$165,168 · 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).