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$14,365
−HK$900/mo
▼ 0.25% · 3.875%
HK$14,811
−HK$454/mo
Today · 4.125%
HK$15,265
baseline
▲ 0.50% · 4.625%
HK$16,194
+HK$929/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$30,530/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$164,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,981
−HK$863/mo
▼ 0.25% · 3.875%
HK$16,409
−HK$435/mo
Today · 4.125%
HK$16,844
baseline
▲ 0.50% · 4.625%
HK$17,732
+HK$888/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$33,688/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$164,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,238
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,774
−HK$545/mo
Today · 4.125%
HK$18,319
baseline
▲ 0.50% · 4.625%
HK$19,433
+HK$1,114/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$36,638/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$164,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,177
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$19,691
−HK$522/mo
Today · 4.125%
HK$20,213
baseline
▲ 0.50% · 4.625%
HK$21,278
+HK$1,065/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$40,426/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$164,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,111
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$20,736
−HK$636/mo
Today · 4.125%
HK$21,372
baseline
▲ 0.50% · 4.625%
HK$22,672
+HK$1,300/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$42,744/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$164,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,373
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$22,973
−HK$608/mo
Today · 4.125%
HK$23,581
baseline
▲ 0.50% · 4.625%
HK$24,825
+HK$1,244/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$47,162/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$164,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,856
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,661
−HK$817/mo
Today · 4.125%
HK$27,478
baseline
▲ 0.50% · 4.625%
HK$29,150
+HK$1,672/mo
Deposit HK$630K · loan HK$5.67M · min. income ≈ HK$54,956/mo (50% DSR)
Upfront cash ≈ HK$795K (deposit + AVD stamp duty HK$164,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,765
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,536
−HK$783/mo
Today · 4.125%
HK$30,319
baseline
▲ 0.50% · 4.625%
HK$31,917
+HK$1,598/mo
Deposit HK$630K · loan HK$5.67M · min. income ≈ HK$60,638/mo (50% DSR)
Upfront cash ≈ HK$795K (deposit + AVD stamp duty HK$164,959 · 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).