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$14,376
−HK$902/mo
▼ 0.25% · 3.875%
HK$14,823
−HK$455/mo
Today · 4.125%
HK$15,278
baseline
▲ 0.50% · 4.625%
HK$16,207
+HK$929/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$30,556/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$165,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,994
−HK$864/mo
▼ 0.25% · 3.875%
HK$16,422
−HK$436/mo
Today · 4.125%
HK$16,858
baseline
▲ 0.50% · 4.625%
HK$17,746
+HK$888/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$33,716/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$165,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,252
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,788
−HK$545/mo
Today · 4.125%
HK$18,333
baseline
▲ 0.50% · 4.625%
HK$19,449
+HK$1,116/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$36,666/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$165,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,192
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$19,707
−HK$522/mo
Today · 4.125%
HK$20,229
baseline
▲ 0.50% · 4.625%
HK$21,295
+HK$1,066/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$40,458/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$165,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,127
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$20,753
−HK$636/mo
Today · 4.125%
HK$21,389
baseline
▲ 0.50% · 4.625%
HK$22,690
+HK$1,301/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$42,778/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$165,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,391
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$22,991
−HK$610/mo
Today · 4.125%
HK$23,601
baseline
▲ 0.50% · 4.625%
HK$24,845
+HK$1,244/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$47,202/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$165,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,877
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$26,682
−HK$818/mo
Today · 4.125%
HK$27,500
baseline
▲ 0.50% · 4.625%
HK$29,173
+HK$1,673/mo
Deposit HK$630K · loan HK$5.67M · min. income ≈ HK$55,000/mo (50% DSR)
Upfront cash ≈ HK$796K (deposit + AVD stamp duty HK$165,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,788
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$29,560
−HK$784/mo
Today · 4.125%
HK$30,344
baseline
▲ 0.50% · 4.625%
HK$31,943
+HK$1,599/mo
Deposit HK$630K · loan HK$5.67M · min. income ≈ HK$60,688/mo (50% DSR)
Upfront cash ≈ HK$796K (deposit + AVD stamp duty HK$165,469 · 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).