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$14,361
−HK$901/mo
▼ 0.25% · 3.875%
HK$14,808
−HK$454/mo
Today · 4.125%
HK$15,262
baseline
▲ 0.50% · 4.625%
HK$16,190
+HK$928/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$30,524/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$164,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,977
−HK$863/mo
▼ 0.25% · 3.875%
HK$16,405
−HK$435/mo
Today · 4.125%
HK$16,840
baseline
▲ 0.50% · 4.625%
HK$17,728
+HK$888/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$33,680/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$164,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,233
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,770
−HK$544/mo
Today · 4.125%
HK$18,314
baseline
▲ 0.50% · 4.625%
HK$19,429
+HK$1,115/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$36,628/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$164,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,172
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$19,686
−HK$522/mo
Today · 4.125%
HK$20,208
baseline
▲ 0.50% · 4.625%
HK$21,273
+HK$1,065/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$40,416/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$164,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,106
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$20,731
−HK$636/mo
Today · 4.125%
HK$21,367
baseline
▲ 0.50% · 4.625%
HK$22,667
+HK$1,300/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$42,734/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$164,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,367
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$22,967
−HK$609/mo
Today · 4.125%
HK$23,576
baseline
▲ 0.50% · 4.625%
HK$24,819
+HK$1,243/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$47,152/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$164,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,850
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$26,654
−HK$817/mo
Today · 4.125%
HK$27,471
baseline
▲ 0.50% · 4.625%
HK$29,143
+HK$1,672/mo
Deposit HK$630K · loan HK$5.67M · min. income ≈ HK$54,942/mo (50% DSR)
Upfront cash ≈ HK$795K (deposit + AVD stamp duty HK$164,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,758
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,529
−HK$783/mo
Today · 4.125%
HK$30,312
baseline
▲ 0.50% · 4.625%
HK$31,910
+HK$1,598/mo
Deposit HK$630K · loan HK$5.67M · min. income ≈ HK$60,624/mo (50% DSR)
Upfront cash ≈ HK$795K (deposit + AVD stamp duty HK$164,808 · 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).