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$14,301
−HK$897/mo
▼ 0.25% · 3.875%
HK$14,746
−HK$452/mo
Today · 4.125%
HK$15,198
baseline
▲ 0.50% · 4.625%
HK$16,123
+HK$925/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$30,396/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$162,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,910
−HK$860/mo
▼ 0.25% · 3.875%
HK$16,337
−HK$433/mo
Today · 4.125%
HK$16,770
baseline
▲ 0.50% · 4.625%
HK$17,654
+HK$884/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$33,540/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$162,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,162
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$17,696
−HK$542/mo
Today · 4.125%
HK$18,238
baseline
▲ 0.50% · 4.625%
HK$19,348
+HK$1,110/mo
Deposit HK$2.51M · loan HK$3.76M · min. income ≈ HK$36,476/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$162,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,092
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$19,604
−HK$520/mo
Today · 4.125%
HK$20,124
baseline
▲ 0.50% · 4.625%
HK$21,185
+HK$1,061/mo
Deposit HK$2.51M · loan HK$3.76M · min. income ≈ HK$40,248/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$162,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,022
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$20,645
−HK$633/mo
Today · 4.125%
HK$21,278
baseline
▲ 0.50% · 4.625%
HK$22,572
+HK$1,294/mo
Deposit HK$1.88M · loan HK$4.39M · min. income ≈ HK$42,556/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$162,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,274
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$22,872
−HK$606/mo
Today · 4.125%
HK$23,478
baseline
▲ 0.50% · 4.625%
HK$24,715
+HK$1,237/mo
Deposit HK$1.88M · loan HK$4.39M · min. income ≈ HK$46,956/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$162,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,743
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$26,543
−HK$814/mo
Today · 4.125%
HK$27,357
baseline
▲ 0.50% · 4.625%
HK$29,022
+HK$1,665/mo
Deposit HK$627K · loan HK$5.64M · min. income ≈ HK$54,714/mo (50% DSR)
Upfront cash ≈ HK$789K (deposit + AVD stamp duty HK$162,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,638
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$29,407
−HK$779/mo
Today · 4.125%
HK$30,186
baseline
▲ 0.50% · 4.625%
HK$31,777
+HK$1,591/mo
Deposit HK$627K · loan HK$5.64M · min. income ≈ HK$60,372/mo (50% DSR)
Upfront cash ≈ HK$789K (deposit + AVD stamp duty HK$162,188 · 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).