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$14,336
−HK$899/mo
▼ 0.25% · 3.875%
HK$14,782
−HK$453/mo
Today · 4.125%
HK$15,235
baseline
▲ 0.50% · 4.625%
HK$16,162
+HK$927/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$30,470/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$163,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,949
−HK$861/mo
▼ 0.25% · 3.875%
HK$16,377
−HK$433/mo
Today · 4.125%
HK$16,810
baseline
▲ 0.50% · 4.625%
HK$17,697
+HK$887/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$33,620/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$163,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,203
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$17,739
−HK$543/mo
Today · 4.125%
HK$18,282
baseline
▲ 0.50% · 4.625%
HK$19,395
+HK$1,113/mo
Deposit HK$2.51M · loan HK$3.77M · min. income ≈ HK$36,564/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$163,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,139
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$19,652
−HK$521/mo
Today · 4.125%
HK$20,173
baseline
▲ 0.50% · 4.625%
HK$21,236
+HK$1,063/mo
Deposit HK$2.51M · loan HK$3.77M · min. income ≈ HK$40,346/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$163,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,071
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$20,695
−HK$634/mo
Today · 4.125%
HK$21,329
baseline
▲ 0.50% · 4.625%
HK$22,627
+HK$1,298/mo
Deposit HK$1.89M · loan HK$4.40M · min. income ≈ HK$42,658/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$163,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,328
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$22,927
−HK$608/mo
Today · 4.125%
HK$23,535
baseline
▲ 0.50% · 4.625%
HK$24,775
+HK$1,240/mo
Deposit HK$1.89M · loan HK$4.40M · min. income ≈ HK$47,070/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$163,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,805
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$26,608
−HK$815/mo
Today · 4.125%
HK$27,423
baseline
▲ 0.50% · 4.625%
HK$29,092
+HK$1,669/mo
Deposit HK$629K · loan HK$5.66M · min. income ≈ HK$54,846/mo (50% DSR)
Upfront cash ≈ HK$792K (deposit + AVD stamp duty HK$163,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,708
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$29,478
−HK$781/mo
Today · 4.125%
HK$30,259
baseline
▲ 0.50% · 4.625%
HK$31,854
+HK$1,595/mo
Deposit HK$629K · loan HK$5.66M · min. income ≈ HK$60,518/mo (50% DSR)
Upfront cash ≈ HK$792K (deposit + AVD stamp duty HK$163,709 · 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).