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$14,312
−HK$898/mo
▼ 0.25% · 3.875%
HK$14,757
−HK$453/mo
Today · 4.125%
HK$15,210
baseline
▲ 0.50% · 4.625%
HK$16,135
+HK$925/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$30,420/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$162,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,922
−HK$860/mo
▼ 0.25% · 3.875%
HK$16,349
−HK$433/mo
Today · 4.125%
HK$16,782
baseline
▲ 0.50% · 4.625%
HK$17,667
+HK$885/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$33,564/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$162,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,175
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$17,709
−HK$543/mo
Today · 4.125%
HK$18,252
baseline
▲ 0.50% · 4.625%
HK$19,362
+HK$1,110/mo
Deposit HK$2.51M · loan HK$3.77M · min. income ≈ HK$36,504/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$162,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,107
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$19,619
−HK$520/mo
Today · 4.125%
HK$20,139
baseline
▲ 0.50% · 4.625%
HK$21,200
+HK$1,061/mo
Deposit HK$2.51M · loan HK$3.77M · min. income ≈ HK$40,278/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$162,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,037
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$20,660
−HK$633/mo
Today · 4.125%
HK$21,293
baseline
▲ 0.50% · 4.625%
HK$22,589
+HK$1,296/mo
Deposit HK$1.88M · loan HK$4.39M · min. income ≈ HK$42,586/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$162,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,291
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$22,889
−HK$606/mo
Today · 4.125%
HK$23,495
baseline
▲ 0.50% · 4.625%
HK$24,734
+HK$1,239/mo
Deposit HK$1.88M · loan HK$4.39M · min. income ≈ HK$46,990/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$162,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,762
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$26,563
−HK$814/mo
Today · 4.125%
HK$27,377
baseline
▲ 0.50% · 4.625%
HK$29,043
+HK$1,666/mo
Deposit HK$628K · loan HK$5.65M · min. income ≈ HK$54,754/mo (50% DSR)
Upfront cash ≈ HK$790K (deposit + AVD stamp duty HK$162,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,660
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$29,428
−HK$780/mo
Today · 4.125%
HK$30,208
baseline
▲ 0.50% · 4.625%
HK$31,800
+HK$1,592/mo
Deposit HK$628K · loan HK$5.65M · min. income ≈ HK$60,416/mo (50% DSR)
Upfront cash ≈ HK$790K (deposit + AVD stamp duty HK$162,655 · 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).