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$14,349
−HK$900/mo
▼ 0.25% · 3.875%
HK$14,795
−HK$454/mo
Today · 4.125%
HK$15,249
baseline
▲ 0.50% · 4.625%
HK$16,177
+HK$928/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$30,498/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$164,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,963
−HK$863/mo
▼ 0.25% · 3.875%
HK$16,391
−HK$435/mo
Today · 4.125%
HK$16,826
baseline
▲ 0.50% · 4.625%
HK$17,712
+HK$886/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$33,652/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$164,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,219
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$17,754
−HK$545/mo
Today · 4.125%
HK$18,299
baseline
▲ 0.50% · 4.625%
HK$19,412
+HK$1,113/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$36,598/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$164,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,156
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$19,670
−HK$521/mo
Today · 4.125%
HK$20,191
baseline
▲ 0.50% · 4.625%
HK$21,255
+HK$1,064/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$40,382/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$164,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,089
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$20,714
−HK$634/mo
Today · 4.125%
HK$21,348
baseline
▲ 0.50% · 4.625%
HK$22,647
+HK$1,299/mo
Deposit HK$1.89M · loan HK$4.40M · min. income ≈ HK$42,696/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$164,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,348
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$22,948
−HK$608/mo
Today · 4.125%
HK$23,556
baseline
▲ 0.50% · 4.625%
HK$24,797
+HK$1,241/mo
Deposit HK$1.89M · loan HK$4.40M · min. income ≈ HK$47,112/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$164,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,828
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$26,632
−HK$816/mo
Today · 4.125%
HK$27,448
baseline
▲ 0.50% · 4.625%
HK$29,118
+HK$1,670/mo
Deposit HK$629K · loan HK$5.66M · min. income ≈ HK$54,896/mo (50% DSR)
Upfront cash ≈ HK$794K (deposit + AVD stamp duty HK$164,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,734
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$29,504
−HK$782/mo
Today · 4.125%
HK$30,286
baseline
▲ 0.50% · 4.625%
HK$31,882
+HK$1,596/mo
Deposit HK$629K · loan HK$5.66M · min. income ≈ HK$60,572/mo (50% DSR)
Upfront cash ≈ HK$794K (deposit + AVD stamp duty HK$164,273 · 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).