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$14,357
−HK$901/mo
▼ 0.25% · 3.875%
HK$14,804
−HK$454/mo
Today · 4.125%
HK$15,258
baseline
▲ 0.50% · 4.625%
HK$16,186
+HK$928/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$30,516/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$164,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,972
−HK$863/mo
▼ 0.25% · 3.875%
HK$16,401
−HK$434/mo
Today · 4.125%
HK$16,835
baseline
▲ 0.50% · 4.625%
HK$17,723
+HK$888/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$33,670/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$164,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,229
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$17,765
−HK$544/mo
Today · 4.125%
HK$18,309
baseline
▲ 0.50% · 4.625%
HK$19,423
+HK$1,114/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$36,618/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$164,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,167
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$19,681
−HK$521/mo
Today · 4.125%
HK$20,202
baseline
▲ 0.50% · 4.625%
HK$21,267
+HK$1,065/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$40,404/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$164,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,100
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$20,725
−HK$636/mo
Today · 4.125%
HK$21,361
baseline
▲ 0.50% · 4.625%
HK$22,660
+HK$1,299/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$42,722/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$164,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,361
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$22,961
−HK$608/mo
Today · 4.125%
HK$23,569
baseline
▲ 0.50% · 4.625%
HK$24,812
+HK$1,243/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$47,138/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$164,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,843
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$26,647
−HK$817/mo
Today · 4.125%
HK$27,464
baseline
▲ 0.50% · 4.625%
HK$29,135
+HK$1,671/mo
Deposit HK$630K · loan HK$5.67M · min. income ≈ HK$54,928/mo (50% DSR)
Upfront cash ≈ HK$794K (deposit + AVD stamp duty HK$164,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,750
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$29,521
−HK$782/mo
Today · 4.125%
HK$30,303
baseline
▲ 0.50% · 4.625%
HK$31,901
+HK$1,598/mo
Deposit HK$630K · loan HK$5.67M · min. income ≈ HK$60,606/mo (50% DSR)
Upfront cash ≈ HK$794K (deposit + AVD stamp duty HK$164,635 · 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).