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$14,396
−HK$903/mo
▼ 0.25% · 3.875%
HK$14,844
−HK$455/mo
Today · 4.125%
HK$15,299
baseline
▲ 0.50% · 4.625%
HK$16,230
+HK$931/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$30,598/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$166,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,016
−HK$865/mo
▼ 0.25% · 3.875%
HK$16,445
−HK$436/mo
Today · 4.125%
HK$16,881
baseline
▲ 0.50% · 4.625%
HK$17,771
+HK$890/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$33,762/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$166,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,276
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$17,813
−HK$546/mo
Today · 4.125%
HK$18,359
baseline
▲ 0.50% · 4.625%
HK$19,476
+HK$1,117/mo
Deposit HK$2.53M · loan HK$3.79M · min. income ≈ HK$36,718/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$166,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,219
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$19,735
−HK$522/mo
Today · 4.125%
HK$20,257
baseline
▲ 0.50% · 4.625%
HK$21,325
+HK$1,068/mo
Deposit HK$2.53M · loan HK$3.79M · min. income ≈ HK$40,514/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$166,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,155
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$20,782
−HK$637/mo
Today · 4.125%
HK$21,419
baseline
▲ 0.50% · 4.625%
HK$22,722
+HK$1,303/mo
Deposit HK$1.89M · loan HK$4.42M · min. income ≈ HK$42,838/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$166,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,422
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$23,024
−HK$610/mo
Today · 4.125%
HK$23,634
baseline
▲ 0.50% · 4.625%
HK$24,879
+HK$1,245/mo
Deposit HK$1.89M · loan HK$4.42M · min. income ≈ HK$47,268/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$166,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,914
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$26,720
−HK$819/mo
Today · 4.125%
HK$27,539
baseline
▲ 0.50% · 4.625%
HK$29,214
+HK$1,675/mo
Deposit HK$631K · loan HK$5.68M · min. income ≈ HK$55,078/mo (50% DSR)
Upfront cash ≈ HK$798K (deposit + AVD stamp duty HK$166,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,829
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$29,602
−HK$784/mo
Today · 4.125%
HK$30,386
baseline
▲ 0.50% · 4.625%
HK$31,988
+HK$1,602/mo
Deposit HK$631K · loan HK$5.68M · min. income ≈ HK$60,772/mo (50% DSR)
Upfront cash ≈ HK$798K (deposit + AVD stamp duty HK$166,353 · 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).