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$14,333
−HK$898/mo
▼ 0.25% · 3.875%
HK$14,778
−HK$453/mo
Today · 4.125%
HK$15,231
baseline
▲ 0.50% · 4.625%
HK$16,158
+HK$927/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$30,462/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$163,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,945
−HK$861/mo
▼ 0.25% · 3.875%
HK$16,373
−HK$433/mo
Today · 4.125%
HK$16,806
baseline
▲ 0.50% · 4.625%
HK$17,692
+HK$886/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$33,612/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$163,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,199
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$17,734
−HK$544/mo
Today · 4.125%
HK$18,278
baseline
▲ 0.50% · 4.625%
HK$19,390
+HK$1,112/mo
Deposit HK$2.51M · loan HK$3.77M · min. income ≈ HK$36,556/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$163,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,134
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$19,647
−HK$521/mo
Today · 4.125%
HK$20,168
baseline
▲ 0.50% · 4.625%
HK$21,231
+HK$1,063/mo
Deposit HK$2.51M · loan HK$3.77M · min. income ≈ HK$40,336/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$163,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,066
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$20,690
−HK$634/mo
Today · 4.125%
HK$21,324
baseline
▲ 0.50% · 4.625%
HK$22,622
+HK$1,298/mo
Deposit HK$1.89M · loan HK$4.40M · min. income ≈ HK$42,648/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$163,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,323
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$22,922
−HK$607/mo
Today · 4.125%
HK$23,529
baseline
▲ 0.50% · 4.625%
HK$24,769
+HK$1,240/mo
Deposit HK$1.89M · loan HK$4.40M · min. income ≈ HK$47,058/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$163,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,799
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$26,601
−HK$816/mo
Today · 4.125%
HK$27,417
baseline
▲ 0.50% · 4.625%
HK$29,085
+HK$1,668/mo
Deposit HK$629K · loan HK$5.66M · min. income ≈ HK$54,834/mo (50% DSR)
Upfront cash ≈ HK$792K (deposit + AVD stamp duty HK$163,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,701
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$29,471
−HK$780/mo
Today · 4.125%
HK$30,251
baseline
▲ 0.50% · 4.625%
HK$31,846
+HK$1,595/mo
Deposit HK$629K · loan HK$5.66M · min. income ≈ HK$60,502/mo (50% DSR)
Upfront cash ≈ HK$792K (deposit + AVD stamp duty HK$163,555 · 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).