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$14,340
−HK$899/mo
▼ 0.25% · 3.875%
HK$14,786
−HK$453/mo
Today · 4.125%
HK$15,239
baseline
▲ 0.50% · 4.625%
HK$16,166
+HK$927/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$30,478/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$163,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,953
−HK$861/mo
▼ 0.25% · 3.875%
HK$16,380
−HK$434/mo
Today · 4.125%
HK$16,814
baseline
▲ 0.50% · 4.625%
HK$17,701
+HK$887/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$33,628/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$163,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,207
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$17,743
−HK$544/mo
Today · 4.125%
HK$18,287
baseline
▲ 0.50% · 4.625%
HK$19,399
+HK$1,112/mo
Deposit HK$2.52M · loan HK$3.77M · min. income ≈ HK$36,574/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$163,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,143
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$19,657
−HK$520/mo
Today · 4.125%
HK$20,177
baseline
▲ 0.50% · 4.625%
HK$21,241
+HK$1,064/mo
Deposit HK$2.52M · loan HK$3.77M · min. income ≈ HK$40,354/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$163,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,075
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$20,700
−HK$634/mo
Today · 4.125%
HK$21,334
baseline
▲ 0.50% · 4.625%
HK$22,632
+HK$1,298/mo
Deposit HK$1.89M · loan HK$4.40M · min. income ≈ HK$42,668/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$163,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,334
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$22,933
−HK$607/mo
Today · 4.125%
HK$23,540
baseline
▲ 0.50% · 4.625%
HK$24,781
+HK$1,241/mo
Deposit HK$1.89M · loan HK$4.40M · min. income ≈ HK$47,080/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$163,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,811
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$26,614
−HK$816/mo
Today · 4.125%
HK$27,430
baseline
▲ 0.50% · 4.625%
HK$29,099
+HK$1,669/mo
Deposit HK$629K · loan HK$5.66M · min. income ≈ HK$54,860/mo (50% DSR)
Upfront cash ≈ HK$793K (deposit + AVD stamp duty HK$163,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,715
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$29,485
−HK$781/mo
Today · 4.125%
HK$30,266
baseline
▲ 0.50% · 4.625%
HK$31,861
+HK$1,595/mo
Deposit HK$629K · loan HK$5.66M · min. income ≈ HK$60,532/mo (50% DSR)
Upfront cash ≈ HK$793K (deposit + AVD stamp duty HK$163,857 · 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).