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$14,324
−HK$898/mo
▼ 0.25% · 3.875%
HK$14,770
−HK$452/mo
Today · 4.125%
HK$15,222
baseline
▲ 0.50% · 4.625%
HK$16,148
+HK$926/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$30,444/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$163,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,935
−HK$861/mo
▼ 0.25% · 3.875%
HK$16,363
−HK$433/mo
Today · 4.125%
HK$16,796
baseline
▲ 0.50% · 4.625%
HK$17,682
+HK$886/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$33,592/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$163,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,189
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$17,723
−HK$544/mo
Today · 4.125%
HK$18,267
baseline
▲ 0.50% · 4.625%
HK$19,378
+HK$1,111/mo
Deposit HK$2.51M · loan HK$3.77M · min. income ≈ HK$36,534/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$163,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,122
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$19,635
−HK$521/mo
Today · 4.125%
HK$20,156
baseline
▲ 0.50% · 4.625%
HK$21,218
+HK$1,062/mo
Deposit HK$2.51M · loan HK$3.77M · min. income ≈ HK$40,312/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$163,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,054
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$20,677
−HK$634/mo
Today · 4.125%
HK$21,311
baseline
▲ 0.50% · 4.625%
HK$22,608
+HK$1,297/mo
Deposit HK$1.88M · loan HK$4.40M · min. income ≈ HK$42,622/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$163,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,309
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$22,908
−HK$607/mo
Today · 4.125%
HK$23,515
baseline
▲ 0.50% · 4.625%
HK$24,754
+HK$1,239/mo
Deposit HK$1.88M · loan HK$4.40M · min. income ≈ HK$47,030/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$163,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,783
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$26,585
−HK$815/mo
Today · 4.125%
HK$27,400
baseline
▲ 0.50% · 4.625%
HK$29,067
+HK$1,667/mo
Deposit HK$628K · loan HK$5.65M · min. income ≈ HK$54,800/mo (50% DSR)
Upfront cash ≈ HK$791K (deposit + AVD stamp duty HK$163,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,684
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$29,453
−HK$780/mo
Today · 4.125%
HK$30,233
baseline
▲ 0.50% · 4.625%
HK$31,827
+HK$1,594/mo
Deposit HK$628K · loan HK$5.65M · min. income ≈ HK$60,466/mo (50% DSR)
Upfront cash ≈ HK$791K (deposit + AVD stamp duty HK$163,176 · 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).