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$14,331
−HK$899/mo
▼ 0.25% · 3.875%
HK$14,777
−HK$453/mo
Today · 4.125%
HK$15,230
baseline
▲ 0.50% · 4.625%
HK$16,157
+HK$927/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$30,460/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$163,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,944
−HK$861/mo
▼ 0.25% · 3.875%
HK$16,371
−HK$434/mo
Today · 4.125%
HK$16,805
baseline
▲ 0.50% · 4.625%
HK$17,691
+HK$886/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$33,610/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$163,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,198
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$17,733
−HK$543/mo
Today · 4.125%
HK$18,276
baseline
▲ 0.50% · 4.625%
HK$19,388
+HK$1,112/mo
Deposit HK$2.51M · loan HK$3.77M · min. income ≈ HK$36,552/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$163,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,132
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$19,645
−HK$521/mo
Today · 4.125%
HK$20,166
baseline
▲ 0.50% · 4.625%
HK$21,229
+HK$1,063/mo
Deposit HK$2.51M · loan HK$3.77M · min. income ≈ HK$40,332/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$163,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,064
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$20,688
−HK$634/mo
Today · 4.125%
HK$21,322
baseline
▲ 0.50% · 4.625%
HK$22,620
+HK$1,298/mo
Deposit HK$1.89M · loan HK$4.40M · min. income ≈ HK$42,644/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$163,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,321
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$22,920
−HK$607/mo
Today · 4.125%
HK$23,527
baseline
▲ 0.50% · 4.625%
HK$24,767
+HK$1,240/mo
Deposit HK$1.89M · loan HK$4.40M · min. income ≈ HK$47,054/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$163,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,797
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$26,599
−HK$815/mo
Today · 4.125%
HK$27,414
baseline
▲ 0.50% · 4.625%
HK$29,082
+HK$1,668/mo
Deposit HK$629K · loan HK$5.66M · min. income ≈ HK$54,828/mo (50% DSR)
Upfront cash ≈ HK$792K (deposit + AVD stamp duty HK$163,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,699
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$29,468
−HK$781/mo
Today · 4.125%
HK$30,249
baseline
▲ 0.50% · 4.625%
HK$31,844
+HK$1,595/mo
Deposit HK$629K · loan HK$5.66M · min. income ≈ HK$60,498/mo (50% DSR)
Upfront cash ≈ HK$792K (deposit + AVD stamp duty HK$163,504 · 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).