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$14,360
−HK$900/mo
▼ 0.25% · 3.875%
HK$14,806
−HK$454/mo
Today · 4.125%
HK$15,260
baseline
▲ 0.50% · 4.625%
HK$16,189
+HK$929/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$30,520/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$164,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,975
−HK$863/mo
▼ 0.25% · 3.875%
HK$16,404
−HK$434/mo
Today · 4.125%
HK$16,838
baseline
▲ 0.50% · 4.625%
HK$17,726
+HK$888/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$33,676/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$164,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,232
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$17,768
−HK$544/mo
Today · 4.125%
HK$18,312
baseline
▲ 0.50% · 4.625%
HK$19,427
+HK$1,115/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$36,624/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$164,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,170
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$19,684
−HK$522/mo
Today · 4.125%
HK$20,206
baseline
▲ 0.50% · 4.625%
HK$21,271
+HK$1,065/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$40,412/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$164,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,104
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$20,729
−HK$635/mo
Today · 4.125%
HK$21,364
baseline
▲ 0.50% · 4.625%
HK$22,664
+HK$1,300/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$42,728/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$164,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,365
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$22,965
−HK$609/mo
Today · 4.125%
HK$23,574
baseline
▲ 0.50% · 4.625%
HK$24,816
+HK$1,242/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$47,148/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$164,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,848
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$26,652
−HK$817/mo
Today · 4.125%
HK$27,469
baseline
▲ 0.50% · 4.625%
HK$29,140
+HK$1,671/mo
Deposit HK$630K · loan HK$5.67M · min. income ≈ HK$54,938/mo (50% DSR)
Upfront cash ≈ HK$794K (deposit + AVD stamp duty HK$164,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,755
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,526
−HK$783/mo
Today · 4.125%
HK$30,309
baseline
▲ 0.50% · 4.625%
HK$31,906
+HK$1,597/mo
Deposit HK$630K · loan HK$5.67M · min. income ≈ HK$60,618/mo (50% DSR)
Upfront cash ≈ HK$794K (deposit + AVD stamp duty HK$164,747 · 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).