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$14,399
−HK$903/mo
▼ 0.25% · 3.875%
HK$14,847
−HK$455/mo
Today · 4.125%
HK$15,302
baseline
▲ 0.50% · 4.625%
HK$16,233
+HK$931/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$30,604/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$166,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,019
−HK$865/mo
▼ 0.25% · 3.875%
HK$16,448
−HK$436/mo
Today · 4.125%
HK$16,884
baseline
▲ 0.50% · 4.625%
HK$17,774
+HK$890/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$33,768/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$166,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,279
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$17,816
−HK$546/mo
Today · 4.125%
HK$18,362
baseline
▲ 0.50% · 4.625%
HK$19,479
+HK$1,117/mo
Deposit HK$2.53M · loan HK$3.79M · min. income ≈ HK$36,724/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$166,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,222
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$19,738
−HK$523/mo
Today · 4.125%
HK$20,261
baseline
▲ 0.50% · 4.625%
HK$21,329
+HK$1,068/mo
Deposit HK$2.53M · loan HK$3.79M · min. income ≈ HK$40,522/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$166,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,158
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$20,785
−HK$638/mo
Today · 4.125%
HK$21,423
baseline
▲ 0.50% · 4.625%
HK$22,726
+HK$1,303/mo
Deposit HK$1.89M · loan HK$4.42M · min. income ≈ HK$42,846/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$166,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,426
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$23,028
−HK$610/mo
Today · 4.125%
HK$23,638
baseline
▲ 0.50% · 4.625%
HK$24,884
+HK$1,246/mo
Deposit HK$1.89M · loan HK$4.42M · min. income ≈ HK$47,276/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$166,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,918
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$26,724
−HK$819/mo
Today · 4.125%
HK$27,543
baseline
▲ 0.50% · 4.625%
HK$29,219
+HK$1,676/mo
Deposit HK$631K · loan HK$5.68M · min. income ≈ HK$55,086/mo (50% DSR)
Upfront cash ≈ HK$798K (deposit + AVD stamp duty HK$166,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,834
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$29,607
−HK$784/mo
Today · 4.125%
HK$30,391
baseline
▲ 0.50% · 4.625%
HK$31,993
+HK$1,602/mo
Deposit HK$631K · loan HK$5.68M · min. income ≈ HK$60,782/mo (50% DSR)
Upfront cash ≈ HK$798K (deposit + AVD stamp duty HK$166,459 · 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).