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$14,318
−HK$898/mo
▼ 0.25% · 3.875%
HK$14,764
−HK$452/mo
Today · 4.125%
HK$15,216
baseline
▲ 0.50% · 4.625%
HK$16,142
+HK$926/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$30,432/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$162,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,929
−HK$860/mo
▼ 0.25% · 3.875%
HK$16,356
−HK$433/mo
Today · 4.125%
HK$16,789
baseline
▲ 0.50% · 4.625%
HK$17,674
+HK$885/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$33,578/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$162,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,182
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$17,716
−HK$543/mo
Today · 4.125%
HK$18,259
baseline
▲ 0.50% · 4.625%
HK$19,370
+HK$1,111/mo
Deposit HK$2.51M · loan HK$3.77M · min. income ≈ HK$36,518/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$162,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,115
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$19,627
−HK$520/mo
Today · 4.125%
HK$20,147
baseline
▲ 0.50% · 4.625%
HK$21,209
+HK$1,062/mo
Deposit HK$2.51M · loan HK$3.77M · min. income ≈ HK$40,294/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$162,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,046
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$20,669
−HK$634/mo
Today · 4.125%
HK$21,303
baseline
▲ 0.50% · 4.625%
HK$22,599
+HK$1,296/mo
Deposit HK$1.88M · loan HK$4.40M · min. income ≈ HK$42,606/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$162,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,300
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$22,899
−HK$606/mo
Today · 4.125%
HK$23,505
baseline
▲ 0.50% · 4.625%
HK$24,744
+HK$1,239/mo
Deposit HK$1.88M · loan HK$4.40M · min. income ≈ HK$47,010/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$162,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,773
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$26,574
−HK$815/mo
Today · 4.125%
HK$27,389
baseline
▲ 0.50% · 4.625%
HK$29,056
+HK$1,667/mo
Deposit HK$628K · loan HK$5.65M · min. income ≈ HK$54,778/mo (50% DSR)
Upfront cash ≈ HK$791K (deposit + AVD stamp duty HK$162,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,672
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$29,441
−HK$780/mo
Today · 4.125%
HK$30,221
baseline
▲ 0.50% · 4.625%
HK$31,814
+HK$1,593/mo
Deposit HK$628K · loan HK$5.65M · min. income ≈ HK$60,442/mo (50% DSR)
Upfront cash ≈ HK$791K (deposit + AVD stamp duty HK$162,922 · 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).