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$14,322
−HK$898/mo
▼ 0.25% · 3.875%
HK$14,767
−HK$453/mo
Today · 4.125%
HK$15,220
baseline
▲ 0.50% · 4.625%
HK$16,146
+HK$926/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$30,440/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$163,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,933
−HK$861/mo
▼ 0.25% · 3.875%
HK$16,360
−HK$434/mo
Today · 4.125%
HK$16,794
baseline
▲ 0.50% · 4.625%
HK$17,679
+HK$885/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$33,588/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$163,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,186
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$17,721
−HK$543/mo
Today · 4.125%
HK$18,264
baseline
▲ 0.50% · 4.625%
HK$19,375
+HK$1,111/mo
Deposit HK$2.51M · loan HK$3.77M · min. income ≈ HK$36,528/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$163,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,119
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$19,632
−HK$520/mo
Today · 4.125%
HK$20,152
baseline
▲ 0.50% · 4.625%
HK$21,215
+HK$1,063/mo
Deposit HK$2.51M · loan HK$3.77M · min. income ≈ HK$40,304/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$163,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,050
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$20,674
−HK$634/mo
Today · 4.125%
HK$21,308
baseline
▲ 0.50% · 4.625%
HK$22,604
+HK$1,296/mo
Deposit HK$1.88M · loan HK$4.40M · min. income ≈ HK$42,616/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$163,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,306
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$22,904
−HK$607/mo
Today · 4.125%
HK$23,511
baseline
▲ 0.50% · 4.625%
HK$24,750
+HK$1,239/mo
Deposit HK$1.88M · loan HK$4.40M · min. income ≈ HK$47,022/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$163,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,779
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$26,581
−HK$815/mo
Today · 4.125%
HK$27,396
baseline
▲ 0.50% · 4.625%
HK$29,063
+HK$1,667/mo
Deposit HK$628K · loan HK$5.65M · min. income ≈ HK$54,792/mo (50% DSR)
Upfront cash ≈ HK$791K (deposit + AVD stamp duty HK$163,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,679
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$29,448
−HK$781/mo
Today · 4.125%
HK$30,229
baseline
▲ 0.50% · 4.625%
HK$31,822
+HK$1,593/mo
Deposit HK$628K · loan HK$5.65M · min. income ≈ HK$60,458/mo (50% DSR)
Upfront cash ≈ HK$791K (deposit + AVD stamp duty HK$163,077 · 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).