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$14,307
−HK$897/mo
▼ 0.25% · 3.875%
HK$14,752
−HK$452/mo
Today · 4.125%
HK$15,204
baseline
▲ 0.50% · 4.625%
HK$16,129
+HK$925/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$30,408/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$162,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,916
−HK$860/mo
▼ 0.25% · 3.875%
HK$16,343
−HK$433/mo
Today · 4.125%
HK$16,776
baseline
▲ 0.50% · 4.625%
HK$17,661
+HK$885/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$33,552/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$162,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,168
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$17,702
−HK$543/mo
Today · 4.125%
HK$18,245
baseline
▲ 0.50% · 4.625%
HK$19,355
+HK$1,110/mo
Deposit HK$2.51M · loan HK$3.76M · min. income ≈ HK$36,490/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$162,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,100
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$19,612
−HK$520/mo
Today · 4.125%
HK$20,132
baseline
▲ 0.50% · 4.625%
HK$21,193
+HK$1,061/mo
Deposit HK$2.51M · loan HK$3.76M · min. income ≈ HK$40,264/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$162,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,030
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$20,653
−HK$633/mo
Today · 4.125%
HK$21,286
baseline
▲ 0.50% · 4.625%
HK$22,581
+HK$1,295/mo
Deposit HK$1.88M · loan HK$4.39M · min. income ≈ HK$42,572/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$162,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,283
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$22,881
−HK$606/mo
Today · 4.125%
HK$23,487
baseline
▲ 0.50% · 4.625%
HK$24,725
+HK$1,238/mo
Deposit HK$1.88M · loan HK$4.39M · min. income ≈ HK$46,974/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$162,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,753
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$26,554
−HK$814/mo
Today · 4.125%
HK$27,368
baseline
▲ 0.50% · 4.625%
HK$29,033
+HK$1,665/mo
Deposit HK$627K · loan HK$5.65M · min. income ≈ HK$54,736/mo (50% DSR)
Upfront cash ≈ HK$790K (deposit + AVD stamp duty HK$162,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,650
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$29,418
−HK$779/mo
Today · 4.125%
HK$30,197
baseline
▲ 0.50% · 4.625%
HK$31,789
+HK$1,592/mo
Deposit HK$627K · loan HK$5.65M · min. income ≈ HK$60,394/mo (50% DSR)
Upfront cash ≈ HK$790K (deposit + AVD stamp duty HK$162,432 · 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).