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$14,343
−HK$899/mo
▼ 0.25% · 3.875%
HK$14,789
−HK$453/mo
Today · 4.125%
HK$15,242
baseline
▲ 0.50% · 4.625%
HK$16,169
+HK$927/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$30,484/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$163,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,956
−HK$862/mo
▼ 0.25% · 3.875%
HK$16,384
−HK$434/mo
Today · 4.125%
HK$16,818
baseline
▲ 0.50% · 4.625%
HK$17,705
+HK$887/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$33,636/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$163,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,211
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$17,746
−HK$544/mo
Today · 4.125%
HK$18,290
baseline
▲ 0.50% · 4.625%
HK$19,403
+HK$1,113/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$163,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,147
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$19,661
−HK$521/mo
Today · 4.125%
HK$20,182
baseline
▲ 0.50% · 4.625%
HK$21,245
+HK$1,063/mo
Deposit HK$2.52M · loan HK$3.77M · min. income ≈ HK$40,364/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$163,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,080
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$20,704
−HK$635/mo
Today · 4.125%
HK$21,339
baseline
▲ 0.50% · 4.625%
HK$22,637
+HK$1,298/mo
Deposit HK$1.89M · loan HK$4.40M · min. income ≈ HK$42,678/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$163,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,338
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$22,937
−HK$608/mo
Today · 4.125%
HK$23,545
baseline
▲ 0.50% · 4.625%
HK$24,786
+HK$1,241/mo
Deposit HK$1.89M · loan HK$4.40M · min. income ≈ HK$47,090/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$163,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,817
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$26,620
−HK$816/mo
Today · 4.125%
HK$27,436
baseline
▲ 0.50% · 4.625%
HK$29,105
+HK$1,669/mo
Deposit HK$629K · loan HK$5.66M · min. income ≈ HK$54,872/mo (50% DSR)
Upfront cash ≈ HK$793K (deposit + AVD stamp duty HK$163,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,721
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$29,491
−HK$781/mo
Today · 4.125%
HK$30,272
baseline
▲ 0.50% · 4.625%
HK$31,868
+HK$1,596/mo
Deposit HK$629K · loan HK$5.66M · min. income ≈ HK$60,544/mo (50% DSR)
Upfront cash ≈ HK$793K (deposit + AVD stamp duty HK$163,990 · 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).