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$14,374
−HK$901/mo
▼ 0.25% · 3.875%
HK$14,821
−HK$454/mo
Today · 4.125%
HK$15,275
baseline
▲ 0.50% · 4.625%
HK$16,205
+HK$930/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$30,550/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$165,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,991
−HK$864/mo
▼ 0.25% · 3.875%
HK$16,420
−HK$435/mo
Today · 4.125%
HK$16,855
baseline
▲ 0.50% · 4.625%
HK$17,743
+HK$888/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$33,710/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$165,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,249
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,785
−HK$545/mo
Today · 4.125%
HK$18,330
baseline
▲ 0.50% · 4.625%
HK$19,446
+HK$1,116/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$36,660/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$165,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,189
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$19,704
−HK$522/mo
Today · 4.125%
HK$20,226
baseline
▲ 0.50% · 4.625%
HK$21,292
+HK$1,066/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$40,452/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$165,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,124
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$20,750
−HK$636/mo
Today · 4.125%
HK$21,386
baseline
▲ 0.50% · 4.625%
HK$22,687
+HK$1,301/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$42,772/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$165,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,387
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$22,988
−HK$609/mo
Today · 4.125%
HK$23,597
baseline
▲ 0.50% · 4.625%
HK$24,841
+HK$1,244/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$47,194/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$165,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,873
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$26,678
−HK$818/mo
Today · 4.125%
HK$27,496
baseline
▲ 0.50% · 4.625%
HK$29,169
+HK$1,673/mo
Deposit HK$630K · loan HK$5.67M · min. income ≈ HK$54,992/mo (50% DSR)
Upfront cash ≈ HK$796K (deposit + AVD stamp duty HK$165,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,784
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$29,556
−HK$783/mo
Today · 4.125%
HK$30,339
baseline
▲ 0.50% · 4.625%
HK$31,938
+HK$1,599/mo
Deposit HK$630K · loan HK$5.67M · min. income ≈ HK$60,678/mo (50% DSR)
Upfront cash ≈ HK$796K (deposit + AVD stamp duty HK$165,368 · 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).