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$14,359
−HK$900/mo
▼ 0.25% · 3.875%
HK$14,805
−HK$454/mo
Today · 4.125%
HK$15,259
baseline
▲ 0.50% · 4.625%
HK$16,188
+HK$929/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$30,518/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$164,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,974
−HK$863/mo
▼ 0.25% · 3.875%
HK$16,402
−HK$435/mo
Today · 4.125%
HK$16,837
baseline
▲ 0.50% · 4.625%
HK$17,724
+HK$887/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$33,674/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$164,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,230
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,766
−HK$545/mo
Today · 4.125%
HK$18,311
baseline
▲ 0.50% · 4.625%
HK$19,425
+HK$1,114/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$36,622/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$164,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,169
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$19,683
−HK$521/mo
Today · 4.125%
HK$20,204
baseline
▲ 0.50% · 4.625%
HK$21,269
+HK$1,065/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$40,408/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$164,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,102
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$20,727
−HK$636/mo
Today · 4.125%
HK$21,363
baseline
▲ 0.50% · 4.625%
HK$22,663
+HK$1,300/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$42,726/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$164,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,363
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$22,963
−HK$609/mo
Today · 4.125%
HK$23,572
baseline
▲ 0.50% · 4.625%
HK$24,814
+HK$1,242/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$47,144/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$164,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,846
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$26,650
−HK$816/mo
Today · 4.125%
HK$27,466
baseline
▲ 0.50% · 4.625%
HK$29,138
+HK$1,672/mo
Deposit HK$630K · loan HK$5.67M · min. income ≈ HK$54,932/mo (50% DSR)
Upfront cash ≈ HK$794K (deposit + AVD stamp duty HK$164,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,753
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$29,524
−HK$782/mo
Today · 4.125%
HK$30,306
baseline
▲ 0.50% · 4.625%
HK$31,904
+HK$1,598/mo
Deposit HK$630K · loan HK$5.67M · min. income ≈ HK$60,612/mo (50% DSR)
Upfront cash ≈ HK$794K (deposit + AVD stamp duty HK$164,697 · 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).