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$14,323
−HK$898/mo
▼ 0.25% · 3.875%
HK$14,768
−HK$453/mo
Today · 4.125%
HK$15,221
baseline
▲ 0.50% · 4.625%
HK$16,147
+HK$926/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$30,442/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$163,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,934
−HK$861/mo
▼ 0.25% · 3.875%
HK$16,361
−HK$434/mo
Today · 4.125%
HK$16,795
baseline
▲ 0.50% · 4.625%
HK$17,680
+HK$885/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$33,590/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$163,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,187
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$17,722
−HK$543/mo
Today · 4.125%
HK$18,265
baseline
▲ 0.50% · 4.625%
HK$19,376
+HK$1,111/mo
Deposit HK$2.51M · loan HK$3.77M · min. income ≈ HK$36,530/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$163,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,120
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$19,633
−HK$521/mo
Today · 4.125%
HK$20,154
baseline
▲ 0.50% · 4.625%
HK$21,216
+HK$1,062/mo
Deposit HK$2.51M · loan HK$3.77M · min. income ≈ HK$40,308/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$163,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,052
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$20,675
−HK$634/mo
Today · 4.125%
HK$21,309
baseline
▲ 0.50% · 4.625%
HK$22,606
+HK$1,297/mo
Deposit HK$1.88M · loan HK$4.40M · min. income ≈ HK$42,618/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$163,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,307
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$22,906
−HK$606/mo
Today · 4.125%
HK$23,512
baseline
▲ 0.50% · 4.625%
HK$24,752
+HK$1,240/mo
Deposit HK$1.88M · loan HK$4.40M · min. income ≈ HK$47,024/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$163,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,781
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$26,583
−HK$814/mo
Today · 4.125%
HK$27,397
baseline
▲ 0.50% · 4.625%
HK$29,064
+HK$1,667/mo
Deposit HK$628K · loan HK$5.65M · min. income ≈ HK$54,794/mo (50% DSR)
Upfront cash ≈ HK$791K (deposit + AVD stamp duty HK$163,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,681
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$29,450
−HK$780/mo
Today · 4.125%
HK$30,230
baseline
▲ 0.50% · 4.625%
HK$31,824
+HK$1,594/mo
Deposit HK$628K · loan HK$5.65M · min. income ≈ HK$60,460/mo (50% DSR)
Upfront cash ≈ HK$791K (deposit + AVD stamp duty HK$163,114 · 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).