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$14,352
−HK$900/mo
▼ 0.25% · 3.875%
HK$14,798
−HK$454/mo
Today · 4.125%
HK$15,252
baseline
▲ 0.50% · 4.625%
HK$16,180
+HK$928/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$30,504/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$164,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,966
−HK$863/mo
▼ 0.25% · 3.875%
HK$16,394
−HK$435/mo
Today · 4.125%
HK$16,829
baseline
▲ 0.50% · 4.625%
HK$17,716
+HK$887/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$33,658/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$164,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,222
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$17,758
−HK$544/mo
Today · 4.125%
HK$18,302
baseline
▲ 0.50% · 4.625%
HK$19,416
+HK$1,114/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$36,604/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$164,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,159
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$19,673
−HK$521/mo
Today · 4.125%
HK$20,194
baseline
▲ 0.50% · 4.625%
HK$21,259
+HK$1,065/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$40,388/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$164,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,092
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$20,717
−HK$635/mo
Today · 4.125%
HK$21,352
baseline
▲ 0.50% · 4.625%
HK$22,652
+HK$1,300/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$42,704/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$164,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,353
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$22,952
−HK$608/mo
Today · 4.125%
HK$23,560
baseline
▲ 0.50% · 4.625%
HK$24,802
+HK$1,242/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$47,120/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$164,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,833
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$26,637
−HK$816/mo
Today · 4.125%
HK$27,453
baseline
▲ 0.50% · 4.625%
HK$29,123
+HK$1,670/mo
Deposit HK$629K · loan HK$5.66M · min. income ≈ HK$54,906/mo (50% DSR)
Upfront cash ≈ HK$794K (deposit + AVD stamp duty HK$164,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,739
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$29,510
−HK$782/mo
Today · 4.125%
HK$30,292
baseline
▲ 0.50% · 4.625%
HK$31,888
+HK$1,596/mo
Deposit HK$629K · loan HK$5.66M · min. income ≈ HK$60,584/mo (50% DSR)
Upfront cash ≈ HK$794K (deposit + AVD stamp duty HK$164,391 · 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).