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$14,305
−HK$897/mo
▼ 0.25% · 3.875%
HK$14,750
−HK$452/mo
Today · 4.125%
HK$15,202
baseline
▲ 0.50% · 4.625%
HK$16,127
+HK$925/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$30,404/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$162,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,914
−HK$859/mo
▼ 0.25% · 3.875%
HK$16,341
−HK$432/mo
Today · 4.125%
HK$16,773
baseline
▲ 0.50% · 4.625%
HK$17,658
+HK$885/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$33,546/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$162,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,166
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$17,699
−HK$543/mo
Today · 4.125%
HK$18,242
baseline
▲ 0.50% · 4.625%
HK$19,352
+HK$1,110/mo
Deposit HK$2.51M · loan HK$3.76M · min. income ≈ HK$36,484/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$162,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,096
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$19,609
−HK$519/mo
Today · 4.125%
HK$20,128
baseline
▲ 0.50% · 4.625%
HK$21,189
+HK$1,061/mo
Deposit HK$2.51M · loan HK$3.76M · min. income ≈ HK$40,256/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$162,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,026
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$20,649
−HK$633/mo
Today · 4.125%
HK$21,282
baseline
▲ 0.50% · 4.625%
HK$22,577
+HK$1,295/mo
Deposit HK$1.88M · loan HK$4.39M · min. income ≈ HK$42,564/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$162,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,279
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$22,877
−HK$606/mo
Today · 4.125%
HK$23,483
baseline
▲ 0.50% · 4.625%
HK$24,721
+HK$1,238/mo
Deposit HK$1.88M · loan HK$4.39M · min. income ≈ HK$46,966/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$162,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,748
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$26,549
−HK$814/mo
Today · 4.125%
HK$27,363
baseline
▲ 0.50% · 4.625%
HK$29,028
+HK$1,665/mo
Deposit HK$627K · loan HK$5.65M · min. income ≈ HK$54,726/mo (50% DSR)
Upfront cash ≈ HK$790K (deposit + AVD stamp duty HK$162,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,645
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$29,413
−HK$779/mo
Today · 4.125%
HK$30,192
baseline
▲ 0.50% · 4.625%
HK$31,784
+HK$1,592/mo
Deposit HK$627K · loan HK$5.65M · min. income ≈ HK$60,384/mo (50% DSR)
Upfront cash ≈ HK$790K (deposit + AVD stamp duty HK$162,325 · 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).