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$14,350
−HK$900/mo
▼ 0.25% · 3.875%
HK$14,796
−HK$454/mo
Today · 4.125%
HK$15,250
baseline
▲ 0.50% · 4.625%
HK$16,178
+HK$928/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$30,500/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$164,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,964
−HK$863/mo
▼ 0.25% · 3.875%
HK$16,392
−HK$435/mo
Today · 4.125%
HK$16,827
baseline
▲ 0.50% · 4.625%
HK$17,714
+HK$887/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$33,654/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$164,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,220
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$17,756
−HK$544/mo
Today · 4.125%
HK$18,300
baseline
▲ 0.50% · 4.625%
HK$19,413
+HK$1,113/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$36,600/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$164,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,157
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$19,671
−HK$521/mo
Today · 4.125%
HK$20,192
baseline
▲ 0.50% · 4.625%
HK$21,256
+HK$1,064/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$40,384/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$164,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,090
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$20,715
−HK$635/mo
Today · 4.125%
HK$21,350
baseline
▲ 0.50% · 4.625%
HK$22,649
+HK$1,299/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$42,700/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$164,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,350
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$22,949
−HK$608/mo
Today · 4.125%
HK$23,557
baseline
▲ 0.50% · 4.625%
HK$24,799
+HK$1,242/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$47,114/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$164,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,830
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$26,633
−HK$817/mo
Today · 4.125%
HK$27,450
baseline
▲ 0.50% · 4.625%
HK$29,120
+HK$1,670/mo
Deposit HK$629K · loan HK$5.66M · min. income ≈ HK$54,900/mo (50% DSR)
Upfront cash ≈ HK$794K (deposit + AVD stamp duty HK$164,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,735
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$29,506
−HK$782/mo
Today · 4.125%
HK$30,288
baseline
▲ 0.50% · 4.625%
HK$31,884
+HK$1,596/mo
Deposit HK$629K · loan HK$5.66M · min. income ≈ HK$60,576/mo (50% DSR)
Upfront cash ≈ HK$794K (deposit + AVD stamp duty HK$164,311 · 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).