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$14,364
−HK$901/mo
▼ 0.25% · 3.875%
HK$14,811
−HK$454/mo
Today · 4.125%
HK$15,265
baseline
▲ 0.50% · 4.625%
HK$16,194
+HK$929/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$30,530/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$164,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,980
−HK$863/mo
▼ 0.25% · 3.875%
HK$16,409
−HK$434/mo
Today · 4.125%
HK$16,843
baseline
▲ 0.50% · 4.625%
HK$17,731
+HK$888/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$33,686/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$164,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,237
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,773
−HK$545/mo
Today · 4.125%
HK$18,318
baseline
▲ 0.50% · 4.625%
HK$19,433
+HK$1,115/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$36,636/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$164,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,176
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$19,690
−HK$522/mo
Today · 4.125%
HK$20,212
baseline
▲ 0.50% · 4.625%
HK$21,278
+HK$1,066/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$40,424/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$164,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,110
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$20,736
−HK$635/mo
Today · 4.125%
HK$21,371
baseline
▲ 0.50% · 4.625%
HK$22,671
+HK$1,300/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$42,742/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$164,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,372
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$22,972
−HK$609/mo
Today · 4.125%
HK$23,581
baseline
▲ 0.50% · 4.625%
HK$24,824
+HK$1,243/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$47,162/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$164,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,856
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$26,660
−HK$817/mo
Today · 4.125%
HK$27,477
baseline
▲ 0.50% · 4.625%
HK$29,149
+HK$1,672/mo
Deposit HK$630K · loan HK$5.67M · min. income ≈ HK$54,954/mo (50% DSR)
Upfront cash ≈ HK$795K (deposit + AVD stamp duty HK$164,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,764
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,536
−HK$782/mo
Today · 4.125%
HK$30,318
baseline
▲ 0.50% · 4.625%
HK$31,916
+HK$1,598/mo
Deposit HK$630K · loan HK$5.67M · min. income ≈ HK$60,636/mo (50% DSR)
Upfront cash ≈ HK$795K (deposit + AVD stamp duty HK$164,942 · 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).