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$14,312
−HK$898/mo
▼ 0.25% · 3.875%
HK$14,758
−HK$452/mo
Today · 4.125%
HK$15,210
baseline
▲ 0.50% · 4.625%
HK$16,135
+HK$925/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$30,420/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$162,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,922
−HK$861/mo
▼ 0.25% · 3.875%
HK$16,349
−HK$434/mo
Today · 4.125%
HK$16,783
baseline
▲ 0.50% · 4.625%
HK$17,667
+HK$884/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$33,566/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$162,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,175
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$17,709
−HK$543/mo
Today · 4.125%
HK$18,252
baseline
▲ 0.50% · 4.625%
HK$19,362
+HK$1,110/mo
Deposit HK$2.51M · loan HK$3.77M · min. income ≈ HK$36,504/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$162,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,107
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$19,619
−HK$520/mo
Today · 4.125%
HK$20,139
baseline
▲ 0.50% · 4.625%
HK$21,201
+HK$1,062/mo
Deposit HK$2.51M · loan HK$3.77M · min. income ≈ HK$40,278/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$162,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,037
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$20,661
−HK$633/mo
Today · 4.125%
HK$21,294
baseline
▲ 0.50% · 4.625%
HK$22,589
+HK$1,295/mo
Deposit HK$1.88M · loan HK$4.39M · min. income ≈ HK$42,588/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$162,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,291
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$22,889
−HK$607/mo
Today · 4.125%
HK$23,496
baseline
▲ 0.50% · 4.625%
HK$24,734
+HK$1,238/mo
Deposit HK$1.88M · loan HK$4.39M · min. income ≈ HK$46,992/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$162,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,762
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$26,564
−HK$814/mo
Today · 4.125%
HK$27,378
baseline
▲ 0.50% · 4.625%
HK$29,044
+HK$1,666/mo
Deposit HK$628K · loan HK$5.65M · min. income ≈ HK$54,756/mo (50% DSR)
Upfront cash ≈ HK$790K (deposit + AVD stamp duty HK$162,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,660
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$29,429
−HK$780/mo
Today · 4.125%
HK$30,209
baseline
▲ 0.50% · 4.625%
HK$31,801
+HK$1,592/mo
Deposit HK$628K · loan HK$5.65M · min. income ≈ HK$60,418/mo (50% DSR)
Upfront cash ≈ HK$790K (deposit + AVD stamp duty HK$162,665 · 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).