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$14,309
−HK$897/mo
▼ 0.25% · 3.875%
HK$14,754
−HK$452/mo
Today · 4.125%
HK$15,206
baseline
▲ 0.50% · 4.625%
HK$16,132
+HK$926/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$30,412/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$162,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,919
−HK$860/mo
▼ 0.25% · 3.875%
HK$16,346
−HK$433/mo
Today · 4.125%
HK$16,779
baseline
▲ 0.50% · 4.625%
HK$17,663
+HK$884/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$33,558/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$162,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,171
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$17,705
−HK$543/mo
Today · 4.125%
HK$18,248
baseline
▲ 0.50% · 4.625%
HK$19,358
+HK$1,110/mo
Deposit HK$2.51M · loan HK$3.77M · min. income ≈ HK$36,496/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$162,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,102
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$19,615
−HK$519/mo
Today · 4.125%
HK$20,134
baseline
▲ 0.50% · 4.625%
HK$21,196
+HK$1,062/mo
Deposit HK$2.51M · loan HK$3.77M · min. income ≈ HK$40,268/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$162,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,033
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$20,656
−HK$633/mo
Today · 4.125%
HK$21,289
baseline
▲ 0.50% · 4.625%
HK$22,584
+HK$1,295/mo
Deposit HK$1.88M · loan HK$4.39M · min. income ≈ HK$42,578/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$162,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,286
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$22,884
−HK$606/mo
Today · 4.125%
HK$23,490
baseline
▲ 0.50% · 4.625%
HK$24,728
+HK$1,238/mo
Deposit HK$1.88M · loan HK$4.39M · min. income ≈ HK$46,980/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$162,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,756
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$26,557
−HK$814/mo
Today · 4.125%
HK$27,371
baseline
▲ 0.50% · 4.625%
HK$29,037
+HK$1,666/mo
Deposit HK$628K · loan HK$5.65M · min. income ≈ HK$54,742/mo (50% DSR)
Upfront cash ≈ HK$790K (deposit + AVD stamp duty HK$162,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,654
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$29,422
−HK$780/mo
Today · 4.125%
HK$30,202
baseline
▲ 0.50% · 4.625%
HK$31,794
+HK$1,592/mo
Deposit HK$628K · loan HK$5.65M · min. income ≈ HK$60,404/mo (50% DSR)
Upfront cash ≈ HK$790K (deposit + AVD stamp duty HK$162,520 · 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).