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$14,345
−HK$899/mo
▼ 0.25% · 3.875%
HK$14,791
−HK$453/mo
Today · 4.125%
HK$15,244
baseline
▲ 0.50% · 4.625%
HK$16,172
+HK$928/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$30,488/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$164,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,958
−HK$862/mo
▼ 0.25% · 3.875%
HK$16,386
−HK$434/mo
Today · 4.125%
HK$16,820
baseline
▲ 0.50% · 4.625%
HK$17,707
+HK$887/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$33,640/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$164,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,214
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$17,749
−HK$544/mo
Today · 4.125%
HK$18,293
baseline
▲ 0.50% · 4.625%
HK$19,406
+HK$1,113/mo
Deposit HK$2.52M · loan HK$3.77M · min. income ≈ HK$36,586/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$164,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,150
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$19,664
−HK$521/mo
Today · 4.125%
HK$20,185
baseline
▲ 0.50% · 4.625%
HK$21,249
+HK$1,064/mo
Deposit HK$2.52M · loan HK$3.77M · min. income ≈ HK$40,370/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$164,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,083
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$20,707
−HK$635/mo
Today · 4.125%
HK$21,342
baseline
▲ 0.50% · 4.625%
HK$22,641
+HK$1,299/mo
Deposit HK$1.89M · loan HK$4.40M · min. income ≈ HK$42,684/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$164,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,342
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$22,941
−HK$608/mo
Today · 4.125%
HK$23,549
baseline
▲ 0.50% · 4.625%
HK$24,790
+HK$1,241/mo
Deposit HK$1.89M · loan HK$4.40M · min. income ≈ HK$47,098/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$164,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,820
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$26,624
−HK$816/mo
Today · 4.125%
HK$27,440
baseline
▲ 0.50% · 4.625%
HK$29,109
+HK$1,669/mo
Deposit HK$629K · loan HK$5.66M · min. income ≈ HK$54,880/mo (50% DSR)
Upfront cash ≈ HK$793K (deposit + AVD stamp duty HK$164,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,725
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$29,495
−HK$782/mo
Today · 4.125%
HK$30,277
baseline
▲ 0.50% · 4.625%
HK$31,873
+HK$1,596/mo
Deposit HK$629K · loan HK$5.66M · min. income ≈ HK$60,554/mo (50% DSR)
Upfront cash ≈ HK$793K (deposit + AVD stamp duty HK$164,083 · 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).