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$14,342
−HK$899/mo
▼ 0.25% · 3.875%
HK$14,788
−HK$453/mo
Today · 4.125%
HK$15,241
baseline
▲ 0.50% · 4.625%
HK$16,169
+HK$928/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$30,482/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$163,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,955
−HK$862/mo
▼ 0.25% · 3.875%
HK$16,383
−HK$434/mo
Today · 4.125%
HK$16,817
baseline
▲ 0.50% · 4.625%
HK$17,704
+HK$887/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$33,634/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$163,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,210
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$17,746
−HK$544/mo
Today · 4.125%
HK$18,290
baseline
▲ 0.50% · 4.625%
HK$19,402
+HK$1,112/mo
Deposit HK$2.52M · loan HK$3.77M · min. income ≈ HK$36,580/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$163,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,146
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$19,660
−HK$521/mo
Today · 4.125%
HK$20,181
baseline
▲ 0.50% · 4.625%
HK$21,245
+HK$1,064/mo
Deposit HK$2.52M · loan HK$3.77M · min. income ≈ HK$40,362/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$163,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,079
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$20,703
−HK$635/mo
Today · 4.125%
HK$21,338
baseline
▲ 0.50% · 4.625%
HK$22,636
+HK$1,298/mo
Deposit HK$1.89M · loan HK$4.40M · min. income ≈ HK$42,676/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$163,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,337
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$22,936
−HK$608/mo
Today · 4.125%
HK$23,544
baseline
▲ 0.50% · 4.625%
HK$24,785
+HK$1,241/mo
Deposit HK$1.89M · loan HK$4.40M · min. income ≈ HK$47,088/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$163,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,816
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$26,619
−HK$815/mo
Today · 4.125%
HK$27,434
baseline
▲ 0.50% · 4.625%
HK$29,104
+HK$1,670/mo
Deposit HK$629K · loan HK$5.66M · min. income ≈ HK$54,868/mo (50% DSR)
Upfront cash ≈ HK$793K (deposit + AVD stamp duty HK$163,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,720
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$29,490
−HK$781/mo
Today · 4.125%
HK$30,271
baseline
▲ 0.50% · 4.625%
HK$31,867
+HK$1,596/mo
Deposit HK$629K · loan HK$5.66M · min. income ≈ HK$60,542/mo (50% DSR)
Upfront cash ≈ HK$793K (deposit + AVD stamp duty HK$163,963 · 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).