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$14,359
−HK$901/mo
▼ 0.25% · 3.875%
HK$14,806
−HK$454/mo
Today · 4.125%
HK$15,260
baseline
▲ 0.50% · 4.625%
HK$16,188
+HK$928/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$30,520/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$164,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,975
−HK$863/mo
▼ 0.25% · 3.875%
HK$16,403
−HK$435/mo
Today · 4.125%
HK$16,838
baseline
▲ 0.50% · 4.625%
HK$17,725
+HK$887/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$33,676/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$164,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,231
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,767
−HK$545/mo
Today · 4.125%
HK$18,312
baseline
▲ 0.50% · 4.625%
HK$19,426
+HK$1,114/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$36,624/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$164,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,170
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$19,684
−HK$521/mo
Today · 4.125%
HK$20,205
baseline
▲ 0.50% · 4.625%
HK$21,270
+HK$1,065/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$40,410/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$164,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,103
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$20,729
−HK$635/mo
Today · 4.125%
HK$21,364
baseline
▲ 0.50% · 4.625%
HK$22,664
+HK$1,300/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$42,728/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$164,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,365
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$22,964
−HK$609/mo
Today · 4.125%
HK$23,573
baseline
▲ 0.50% · 4.625%
HK$24,816
+HK$1,243/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$47,146/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$164,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,847
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$26,651
−HK$817/mo
Today · 4.125%
HK$27,468
baseline
▲ 0.50% · 4.625%
HK$29,139
+HK$1,671/mo
Deposit HK$630K · loan HK$5.67M · min. income ≈ HK$54,936/mo (50% DSR)
Upfront cash ≈ HK$794K (deposit + AVD stamp duty HK$164,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,755
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$29,526
−HK$782/mo
Today · 4.125%
HK$30,308
baseline
▲ 0.50% · 4.625%
HK$31,906
+HK$1,598/mo
Deposit HK$630K · loan HK$5.67M · min. income ≈ HK$60,616/mo (50% DSR)
Upfront cash ≈ HK$794K (deposit + AVD stamp duty HK$164,731 · 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).