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$14,390
−HK$902/mo
▼ 0.25% · 3.875%
HK$14,837
−HK$455/mo
Today · 4.125%
HK$15,292
baseline
▲ 0.50% · 4.625%
HK$16,222
+HK$930/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$30,584/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$166,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,008
−HK$865/mo
▼ 0.25% · 3.875%
HK$16,438
−HK$435/mo
Today · 4.125%
HK$16,873
baseline
▲ 0.50% · 4.625%
HK$17,763
+HK$890/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$33,746/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$166,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,268
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$17,805
−HK$545/mo
Today · 4.125%
HK$18,350
baseline
▲ 0.50% · 4.625%
HK$19,467
+HK$1,117/mo
Deposit HK$2.52M · loan HK$3.79M · min. income ≈ HK$36,700/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$166,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,210
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$19,725
−HK$523/mo
Today · 4.125%
HK$20,248
baseline
▲ 0.50% · 4.625%
HK$21,315
+HK$1,067/mo
Deposit HK$2.52M · loan HK$3.79M · min. income ≈ HK$40,496/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$166,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,146
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$20,772
−HK$637/mo
Today · 4.125%
HK$21,409
baseline
▲ 0.50% · 4.625%
HK$22,711
+HK$1,302/mo
Deposit HK$1.89M · loan HK$4.42M · min. income ≈ HK$42,818/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$166,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,412
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,013
−HK$610/mo
Today · 4.125%
HK$23,623
baseline
▲ 0.50% · 4.625%
HK$24,868
+HK$1,245/mo
Deposit HK$1.89M · loan HK$4.42M · min. income ≈ HK$47,246/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$166,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,901
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$26,707
−HK$819/mo
Today · 4.125%
HK$27,526
baseline
▲ 0.50% · 4.625%
HK$29,200
+HK$1,674/mo
Deposit HK$631K · loan HK$5.68M · min. income ≈ HK$55,052/mo (50% DSR)
Upfront cash ≈ HK$797K (deposit + AVD stamp duty HK$166,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,815
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$29,588
−HK$784/mo
Today · 4.125%
HK$30,372
baseline
▲ 0.50% · 4.625%
HK$31,973
+HK$1,601/mo
Deposit HK$631K · loan HK$5.68M · min. income ≈ HK$60,744/mo (50% DSR)
Upfront cash ≈ HK$797K (deposit + AVD stamp duty HK$166,054 · 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).