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$14,338
−HK$899/mo
▼ 0.25% · 3.875%
HK$14,784
−HK$453/mo
Today · 4.125%
HK$15,237
baseline
▲ 0.50% · 4.625%
HK$16,164
+HK$927/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$30,474/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$163,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,951
−HK$862/mo
▼ 0.25% · 3.875%
HK$16,379
−HK$434/mo
Today · 4.125%
HK$16,813
baseline
▲ 0.50% · 4.625%
HK$17,699
+HK$886/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$33,626/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$163,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,206
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$17,741
−HK$543/mo
Today · 4.125%
HK$18,284
baseline
▲ 0.50% · 4.625%
HK$19,397
+HK$1,113/mo
Deposit HK$2.52M · loan HK$3.77M · min. income ≈ HK$36,568/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$163,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,141
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$19,654
−HK$521/mo
Today · 4.125%
HK$20,175
baseline
▲ 0.50% · 4.625%
HK$21,239
+HK$1,064/mo
Deposit HK$2.52M · loan HK$3.77M · min. income ≈ HK$40,350/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$163,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,073
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$20,698
−HK$634/mo
Today · 4.125%
HK$21,332
baseline
▲ 0.50% · 4.625%
HK$22,630
+HK$1,298/mo
Deposit HK$1.89M · loan HK$4.40M · min. income ≈ HK$42,664/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$163,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,331
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$22,930
−HK$608/mo
Today · 4.125%
HK$23,538
baseline
▲ 0.50% · 4.625%
HK$24,778
+HK$1,240/mo
Deposit HK$1.89M · loan HK$4.40M · min. income ≈ HK$47,076/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$163,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,808
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$26,611
−HK$816/mo
Today · 4.125%
HK$27,427
baseline
▲ 0.50% · 4.625%
HK$29,096
+HK$1,669/mo
Deposit HK$629K · loan HK$5.66M · min. income ≈ HK$54,854/mo (50% DSR)
Upfront cash ≈ HK$793K (deposit + AVD stamp duty HK$163,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,711
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$29,481
−HK$782/mo
Today · 4.125%
HK$30,263
baseline
▲ 0.50% · 4.625%
HK$31,858
+HK$1,595/mo
Deposit HK$629K · loan HK$5.66M · min. income ≈ HK$60,526/mo (50% DSR)
Upfront cash ≈ HK$793K (deposit + AVD stamp duty HK$163,787 · 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).