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$14,308
−HK$897/mo
▼ 0.25% · 3.875%
HK$14,753
−HK$452/mo
Today · 4.125%
HK$15,205
baseline
▲ 0.50% · 4.625%
HK$16,130
+HK$925/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$30,410/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$162,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,918
−HK$859/mo
▼ 0.25% · 3.875%
HK$16,344
−HK$433/mo
Today · 4.125%
HK$16,777
baseline
▲ 0.50% · 4.625%
HK$17,662
+HK$885/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$33,554/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$162,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,170
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$17,704
−HK$542/mo
Today · 4.125%
HK$18,246
baseline
▲ 0.50% · 4.625%
HK$19,357
+HK$1,111/mo
Deposit HK$2.51M · loan HK$3.76M · min. income ≈ HK$36,492/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$162,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,101
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$19,613
−HK$520/mo
Today · 4.125%
HK$20,133
baseline
▲ 0.50% · 4.625%
HK$21,194
+HK$1,061/mo
Deposit HK$2.51M · loan HK$3.76M · min. income ≈ HK$40,266/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$162,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,031
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$20,654
−HK$633/mo
Today · 4.125%
HK$21,287
baseline
▲ 0.50% · 4.625%
HK$22,583
+HK$1,296/mo
Deposit HK$1.88M · loan HK$4.39M · min. income ≈ HK$42,574/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$162,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,285
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$22,882
−HK$606/mo
Today · 4.125%
HK$23,488
baseline
▲ 0.50% · 4.625%
HK$24,727
+HK$1,239/mo
Deposit HK$1.88M · loan HK$4.39M · min. income ≈ HK$46,976/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$162,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,754
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$26,556
−HK$813/mo
Today · 4.125%
HK$27,369
baseline
▲ 0.50% · 4.625%
HK$29,035
+HK$1,666/mo
Deposit HK$627K · loan HK$5.65M · min. income ≈ HK$54,738/mo (50% DSR)
Upfront cash ≈ HK$790K (deposit + AVD stamp duty HK$162,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,652
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$29,420
−HK$779/mo
Today · 4.125%
HK$30,199
baseline
▲ 0.50% · 4.625%
HK$31,791
+HK$1,592/mo
Deposit HK$627K · loan HK$5.65M · min. income ≈ HK$60,398/mo (50% DSR)
Upfront cash ≈ HK$790K (deposit + AVD stamp duty HK$162,474 · 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).