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$14,290
−HK$896/mo
▼ 0.25% · 3.875%
HK$14,734
−HK$452/mo
Today · 4.125%
HK$15,186
baseline
▲ 0.50% · 4.625%
HK$16,110
+HK$924/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$30,372/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$161,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,897
−HK$859/mo
▼ 0.25% · 3.875%
HK$16,324
−HK$432/mo
Today · 4.125%
HK$16,756
baseline
▲ 0.50% · 4.625%
HK$17,639
+HK$883/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$33,512/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$161,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,148
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$17,681
−HK$542/mo
Today · 4.125%
HK$18,223
baseline
▲ 0.50% · 4.625%
HK$19,332
+HK$1,109/mo
Deposit HK$2.51M · loan HK$3.76M · min. income ≈ HK$36,446/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$161,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,077
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,588
−HK$519/mo
Today · 4.125%
HK$20,107
baseline
▲ 0.50% · 4.625%
HK$21,167
+HK$1,060/mo
Deposit HK$2.51M · loan HK$3.76M · min. income ≈ HK$40,214/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$161,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,006
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$20,628
−HK$632/mo
Today · 4.125%
HK$21,260
baseline
▲ 0.50% · 4.625%
HK$22,554
+HK$1,294/mo
Deposit HK$1.88M · loan HK$4.39M · min. income ≈ HK$42,520/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$161,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,256
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$22,853
−HK$606/mo
Today · 4.125%
HK$23,459
baseline
▲ 0.50% · 4.625%
HK$24,695
+HK$1,236/mo
Deposit HK$1.88M · loan HK$4.39M · min. income ≈ HK$46,918/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$161,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,722
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$26,522
−HK$813/mo
Today · 4.125%
HK$27,335
baseline
▲ 0.50% · 4.625%
HK$28,998
+HK$1,663/mo
Deposit HK$627K · loan HK$5.64M · min. income ≈ HK$54,670/mo (50% DSR)
Upfront cash ≈ HK$788K (deposit + AVD stamp duty HK$161,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,615
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$29,383
−HK$778/mo
Today · 4.125%
HK$30,161
baseline
▲ 0.50% · 4.625%
HK$31,751
+HK$1,590/mo
Deposit HK$627K · loan HK$5.64M · min. income ≈ HK$60,322/mo (50% DSR)
Upfront cash ≈ HK$788K (deposit + AVD stamp duty HK$161,677 · 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).