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$14,346
−HK$899/mo
▼ 0.25% · 3.875%
HK$14,792
−HK$453/mo
Today · 4.125%
HK$15,245
baseline
▲ 0.50% · 4.625%
HK$16,173
+HK$928/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$30,490/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$164,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,960
−HK$862/mo
▼ 0.25% · 3.875%
HK$16,388
−HK$434/mo
Today · 4.125%
HK$16,822
baseline
▲ 0.50% · 4.625%
HK$17,709
+HK$887/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$33,644/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$164,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,215
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$17,750
−HK$545/mo
Today · 4.125%
HK$18,295
baseline
▲ 0.50% · 4.625%
HK$19,408
+HK$1,113/mo
Deposit HK$2.52M · loan HK$3.77M · min. income ≈ HK$36,590/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$164,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,151
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$19,665
−HK$521/mo
Today · 4.125%
HK$20,186
baseline
▲ 0.50% · 4.625%
HK$21,250
+HK$1,064/mo
Deposit HK$2.52M · loan HK$3.77M · min. income ≈ HK$40,372/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$164,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,084
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$20,709
−HK$635/mo
Today · 4.125%
HK$21,344
baseline
▲ 0.50% · 4.625%
HK$22,642
+HK$1,298/mo
Deposit HK$1.89M · loan HK$4.40M · min. income ≈ HK$42,688/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$164,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,343
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$22,943
−HK$608/mo
Today · 4.125%
HK$23,551
baseline
▲ 0.50% · 4.625%
HK$24,792
+HK$1,241/mo
Deposit HK$1.89M · loan HK$4.40M · min. income ≈ HK$47,102/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$164,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,822
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$26,626
−HK$816/mo
Today · 4.125%
HK$27,442
baseline
▲ 0.50% · 4.625%
HK$29,112
+HK$1,670/mo
Deposit HK$629K · loan HK$5.66M · min. income ≈ HK$54,884/mo (50% DSR)
Upfront cash ≈ HK$793K (deposit + AVD stamp duty HK$164,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,727
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$29,498
−HK$781/mo
Today · 4.125%
HK$30,279
baseline
▲ 0.50% · 4.625%
HK$31,875
+HK$1,596/mo
Deposit HK$629K · loan HK$5.66M · min. income ≈ HK$60,558/mo (50% DSR)
Upfront cash ≈ HK$793K (deposit + AVD stamp duty HK$164,132 · 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).