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$14,377
−HK$902/mo
▼ 0.25% · 3.875%
HK$14,824
−HK$455/mo
Today · 4.125%
HK$15,279
baseline
▲ 0.50% · 4.625%
HK$16,208
+HK$929/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$30,558/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$165,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,994
−HK$865/mo
▼ 0.25% · 3.875%
HK$16,423
−HK$436/mo
Today · 4.125%
HK$16,859
baseline
▲ 0.50% · 4.625%
HK$17,747
+HK$888/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$33,718/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$165,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,253
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$17,789
−HK$546/mo
Today · 4.125%
HK$18,335
baseline
▲ 0.50% · 4.625%
HK$19,450
+HK$1,115/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$36,670/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$165,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,193
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$19,708
−HK$522/mo
Today · 4.125%
HK$20,230
baseline
▲ 0.50% · 4.625%
HK$21,297
+HK$1,067/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$40,460/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$165,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,128
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$20,754
−HK$636/mo
Today · 4.125%
HK$21,390
baseline
▲ 0.50% · 4.625%
HK$22,692
+HK$1,302/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$42,780/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$165,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,392
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$22,993
−HK$609/mo
Today · 4.125%
HK$23,602
baseline
▲ 0.50% · 4.625%
HK$24,846
+HK$1,244/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$47,204/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$165,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,879
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$26,684
−HK$818/mo
Today · 4.125%
HK$27,502
baseline
▲ 0.50% · 4.625%
HK$29,175
+HK$1,673/mo
Deposit HK$631K · loan HK$5.67M · min. income ≈ HK$55,004/mo (50% DSR)
Upfront cash ≈ HK$796K (deposit + AVD stamp duty HK$165,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,790
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$29,562
−HK$783/mo
Today · 4.125%
HK$30,345
baseline
▲ 0.50% · 4.625%
HK$31,945
+HK$1,600/mo
Deposit HK$631K · loan HK$5.67M · min. income ≈ HK$60,690/mo (50% DSR)
Upfront cash ≈ HK$796K (deposit + AVD stamp duty HK$165,508 · 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).