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$14,281
−HK$896/mo
▼ 0.25% · 3.875%
HK$14,725
−HK$452/mo
Today · 4.125%
HK$15,177
baseline
▲ 0.50% · 4.625%
HK$16,100
+HK$923/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$30,354/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$161,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,887
−HK$859/mo
▼ 0.25% · 3.875%
HK$16,314
−HK$432/mo
Today · 4.125%
HK$16,746
baseline
▲ 0.50% · 4.625%
HK$17,629
+HK$883/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$33,492/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$161,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,137
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$17,670
−HK$542/mo
Today · 4.125%
HK$18,212
baseline
▲ 0.50% · 4.625%
HK$19,320
+HK$1,108/mo
Deposit HK$2.51M · loan HK$3.76M · min. income ≈ HK$36,424/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$161,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,065
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,576
−HK$519/mo
Today · 4.125%
HK$20,095
baseline
▲ 0.50% · 4.625%
HK$21,154
+HK$1,059/mo
Deposit HK$2.51M · loan HK$3.76M · min. income ≈ HK$40,190/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$161,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,993
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$20,615
−HK$632/mo
Today · 4.125%
HK$21,247
baseline
▲ 0.50% · 4.625%
HK$22,540
+HK$1,293/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$42,494/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$161,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,242
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$22,839
−HK$605/mo
Today · 4.125%
HK$23,444
baseline
▲ 0.50% · 4.625%
HK$24,680
+HK$1,236/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$46,888/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$161,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,706
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$26,505
−HK$813/mo
Today · 4.125%
HK$27,318
baseline
▲ 0.50% · 4.625%
HK$28,980
+HK$1,662/mo
Deposit HK$626K · loan HK$5.64M · min. income ≈ HK$54,636/mo (50% DSR)
Upfront cash ≈ HK$788K (deposit + AVD stamp duty HK$161,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,597
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$29,364
−HK$778/mo
Today · 4.125%
HK$30,142
baseline
▲ 0.50% · 4.625%
HK$31,731
+HK$1,589/mo
Deposit HK$626K · loan HK$5.64M · min. income ≈ HK$60,284/mo (50% DSR)
Upfront cash ≈ HK$788K (deposit + AVD stamp duty HK$161,290 · 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).