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$14,351
−HK$900/mo
▼ 0.25% · 3.875%
HK$14,797
−HK$454/mo
Today · 4.125%
HK$15,251
baseline
▲ 0.50% · 4.625%
HK$16,179
+HK$928/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$30,502/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$164,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,965
−HK$863/mo
▼ 0.25% · 3.875%
HK$16,394
−HK$434/mo
Today · 4.125%
HK$16,828
baseline
▲ 0.50% · 4.625%
HK$17,715
+HK$887/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$33,656/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$164,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,221
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$17,757
−HK$544/mo
Today · 4.125%
HK$18,301
baseline
▲ 0.50% · 4.625%
HK$19,415
+HK$1,114/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$36,602/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$164,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,158
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$19,672
−HK$521/mo
Today · 4.125%
HK$20,193
baseline
▲ 0.50% · 4.625%
HK$21,258
+HK$1,065/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$40,386/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$164,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,091
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$20,716
−HK$635/mo
Today · 4.125%
HK$21,351
baseline
▲ 0.50% · 4.625%
HK$22,650
+HK$1,299/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$42,702/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$164,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,351
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$22,951
−HK$608/mo
Today · 4.125%
HK$23,559
baseline
▲ 0.50% · 4.625%
HK$24,801
+HK$1,242/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$47,118/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$164,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,832
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$26,635
−HK$817/mo
Today · 4.125%
HK$27,452
baseline
▲ 0.50% · 4.625%
HK$29,122
+HK$1,670/mo
Deposit HK$629K · loan HK$5.66M · min. income ≈ HK$54,904/mo (50% DSR)
Upfront cash ≈ HK$794K (deposit + AVD stamp duty HK$164,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,738
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$29,508
−HK$782/mo
Today · 4.125%
HK$30,290
baseline
▲ 0.50% · 4.625%
HK$31,887
+HK$1,597/mo
Deposit HK$629K · loan HK$5.66M · min. income ≈ HK$60,580/mo (50% DSR)
Upfront cash ≈ HK$794K (deposit + AVD stamp duty HK$164,359 · 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).