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$14,303
−HK$897/mo
▼ 0.25% · 3.875%
HK$14,748
−HK$452/mo
Today · 4.125%
HK$15,200
baseline
▲ 0.50% · 4.625%
HK$16,125
+HK$925/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$30,400/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$162,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,912
−HK$859/mo
▼ 0.25% · 3.875%
HK$16,338
−HK$433/mo
Today · 4.125%
HK$16,771
baseline
▲ 0.50% · 4.625%
HK$17,655
+HK$884/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$33,542/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$162,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,163
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$17,697
−HK$543/mo
Today · 4.125%
HK$18,240
baseline
▲ 0.50% · 4.625%
HK$19,350
+HK$1,110/mo
Deposit HK$2.51M · loan HK$3.76M · min. income ≈ HK$36,480/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$162,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,094
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$19,606
−HK$520/mo
Today · 4.125%
HK$20,126
baseline
▲ 0.50% · 4.625%
HK$21,187
+HK$1,061/mo
Deposit HK$2.51M · loan HK$3.76M · min. income ≈ HK$40,252/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$162,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,024
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$20,647
−HK$633/mo
Today · 4.125%
HK$21,280
baseline
▲ 0.50% · 4.625%
HK$22,574
+HK$1,294/mo
Deposit HK$1.88M · loan HK$4.39M · min. income ≈ HK$42,560/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$162,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,276
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$22,874
−HK$606/mo
Today · 4.125%
HK$23,480
baseline
▲ 0.50% · 4.625%
HK$24,718
+HK$1,238/mo
Deposit HK$1.88M · loan HK$4.39M · min. income ≈ HK$46,960/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$162,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,745
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$26,546
−HK$814/mo
Today · 4.125%
HK$27,360
baseline
▲ 0.50% · 4.625%
HK$29,024
+HK$1,664/mo
Deposit HK$627K · loan HK$5.65M · min. income ≈ HK$54,720/mo (50% DSR)
Upfront cash ≈ HK$789K (deposit + AVD stamp duty HK$162,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,641
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$29,409
−HK$780/mo
Today · 4.125%
HK$30,189
baseline
▲ 0.50% · 4.625%
HK$31,780
+HK$1,591/mo
Deposit HK$627K · loan HK$5.65M · min. income ≈ HK$60,378/mo (50% DSR)
Upfront cash ≈ HK$789K (deposit + AVD stamp duty HK$162,246 · 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).