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$14,325
−HK$898/mo
▼ 0.25% · 3.875%
HK$14,771
−HK$452/mo
Today · 4.125%
HK$15,223
baseline
▲ 0.50% · 4.625%
HK$16,150
+HK$927/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$30,446/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$163,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,936
−HK$861/mo
▼ 0.25% · 3.875%
HK$16,364
−HK$433/mo
Today · 4.125%
HK$16,797
baseline
▲ 0.50% · 4.625%
HK$17,683
+HK$886/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$33,594/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$163,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,190
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$17,725
−HK$543/mo
Today · 4.125%
HK$18,268
baseline
▲ 0.50% · 4.625%
HK$19,380
+HK$1,112/mo
Deposit HK$2.51M · loan HK$3.77M · min. income ≈ HK$36,536/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$163,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,124
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$19,637
−HK$520/mo
Today · 4.125%
HK$20,157
baseline
▲ 0.50% · 4.625%
HK$21,219
+HK$1,062/mo
Deposit HK$2.51M · loan HK$3.77M · min. income ≈ HK$40,314/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$163,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,055
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$20,679
−HK$634/mo
Today · 4.125%
HK$21,313
baseline
▲ 0.50% · 4.625%
HK$22,609
+HK$1,296/mo
Deposit HK$1.88M · loan HK$4.40M · min. income ≈ HK$42,626/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$163,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,311
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$22,909
−HK$607/mo
Today · 4.125%
HK$23,516
baseline
▲ 0.50% · 4.625%
HK$24,756
+HK$1,240/mo
Deposit HK$1.88M · loan HK$4.40M · min. income ≈ HK$47,032/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$163,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,785
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$26,587
−HK$815/mo
Today · 4.125%
HK$27,402
baseline
▲ 0.50% · 4.625%
HK$29,069
+HK$1,667/mo
Deposit HK$628K · loan HK$5.65M · min. income ≈ HK$54,804/mo (50% DSR)
Upfront cash ≈ HK$791K (deposit + AVD stamp duty HK$163,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,686
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$29,455
−HK$780/mo
Today · 4.125%
HK$30,235
baseline
▲ 0.50% · 4.625%
HK$31,829
+HK$1,594/mo
Deposit HK$628K · loan HK$5.65M · min. income ≈ HK$60,470/mo (50% DSR)
Upfront cash ≈ HK$791K (deposit + AVD stamp duty HK$163,219 · 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).