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$14,372
−HK$902/mo
▼ 0.25% · 3.875%
HK$14,819
−HK$455/mo
Today · 4.125%
HK$15,274
baseline
▲ 0.50% · 4.625%
HK$16,203
+HK$929/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$30,548/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$165,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,989
−HK$864/mo
▼ 0.25% · 3.875%
HK$16,418
−HK$435/mo
Today · 4.125%
HK$16,853
baseline
▲ 0.50% · 4.625%
HK$17,741
+HK$888/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$33,706/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$165,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,247
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,783
−HK$545/mo
Today · 4.125%
HK$18,328
baseline
▲ 0.50% · 4.625%
HK$19,443
+HK$1,115/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$36,656/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$165,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,187
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$19,701
−HK$522/mo
Today · 4.125%
HK$20,223
baseline
▲ 0.50% · 4.625%
HK$21,289
+HK$1,066/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$40,446/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$165,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,121
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$20,747
−HK$636/mo
Today · 4.125%
HK$21,383
baseline
▲ 0.50% · 4.625%
HK$22,684
+HK$1,301/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$42,766/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$165,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,385
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$22,985
−HK$609/mo
Today · 4.125%
HK$23,594
baseline
▲ 0.50% · 4.625%
HK$24,838
+HK$1,244/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$47,188/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$165,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,870
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,675
−HK$817/mo
Today · 4.125%
HK$27,492
baseline
▲ 0.50% · 4.625%
HK$29,165
+HK$1,673/mo
Deposit HK$630K · loan HK$5.67M · min. income ≈ HK$54,984/mo (50% DSR)
Upfront cash ≈ HK$796K (deposit + AVD stamp duty HK$165,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,780
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$29,552
−HK$783/mo
Today · 4.125%
HK$30,335
baseline
▲ 0.50% · 4.625%
HK$31,934
+HK$1,599/mo
Deposit HK$630K · loan HK$5.67M · min. income ≈ HK$60,670/mo (50% DSR)
Upfront cash ≈ HK$796K (deposit + AVD stamp duty HK$165,292 · 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).