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$14,362
−HK$901/mo
▼ 0.25% · 3.875%
HK$14,809
−HK$454/mo
Today · 4.125%
HK$15,263
baseline
▲ 0.50% · 4.625%
HK$16,192
+HK$929/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$30,526/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$164,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,978
−HK$863/mo
▼ 0.25% · 3.875%
HK$16,407
−HK$434/mo
Today · 4.125%
HK$16,841
baseline
▲ 0.50% · 4.625%
HK$17,729
+HK$888/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$33,682/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$164,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,235
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,771
−HK$545/mo
Today · 4.125%
HK$18,316
baseline
▲ 0.50% · 4.625%
HK$19,430
+HK$1,114/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$36,632/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$164,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,174
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$19,688
−HK$521/mo
Today · 4.125%
HK$20,209
baseline
▲ 0.50% · 4.625%
HK$21,275
+HK$1,066/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$40,418/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$164,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,107
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$20,733
−HK$635/mo
Today · 4.125%
HK$21,368
baseline
▲ 0.50% · 4.625%
HK$22,668
+HK$1,300/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$42,736/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$164,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,369
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$22,969
−HK$609/mo
Today · 4.125%
HK$23,578
baseline
▲ 0.50% · 4.625%
HK$24,821
+HK$1,243/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$47,156/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$164,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,852
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$26,656
−HK$817/mo
Today · 4.125%
HK$27,473
baseline
▲ 0.50% · 4.625%
HK$29,145
+HK$1,672/mo
Deposit HK$630K · loan HK$5.67M · min. income ≈ HK$54,946/mo (50% DSR)
Upfront cash ≈ HK$795K (deposit + AVD stamp duty HK$164,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,760
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,532
−HK$782/mo
Today · 4.125%
HK$30,314
baseline
▲ 0.50% · 4.625%
HK$31,912
+HK$1,598/mo
Deposit HK$630K · loan HK$5.67M · min. income ≈ HK$60,628/mo (50% DSR)
Upfront cash ≈ HK$795K (deposit + AVD stamp duty HK$164,858 · 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).