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$14,376
−HK$901/mo
▼ 0.25% · 3.875%
HK$14,823
−HK$454/mo
Today · 4.125%
HK$15,277
baseline
▲ 0.50% · 4.625%
HK$16,207
+HK$930/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$30,554/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$165,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,993
−HK$864/mo
▼ 0.25% · 3.875%
HK$16,422
−HK$435/mo
Today · 4.125%
HK$16,857
baseline
▲ 0.50% · 4.625%
HK$17,745
+HK$888/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$33,714/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$165,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,251
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,787
−HK$545/mo
Today · 4.125%
HK$18,332
baseline
▲ 0.50% · 4.625%
HK$19,448
+HK$1,116/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$36,664/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$165,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,191
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$19,706
−HK$522/mo
Today · 4.125%
HK$20,228
baseline
▲ 0.50% · 4.625%
HK$21,294
+HK$1,066/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$40,456/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$165,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,126
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$20,752
−HK$636/mo
Today · 4.125%
HK$21,388
baseline
▲ 0.50% · 4.625%
HK$22,689
+HK$1,301/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$42,776/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$165,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,390
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$22,990
−HK$609/mo
Today · 4.125%
HK$23,599
baseline
▲ 0.50% · 4.625%
HK$24,843
+HK$1,244/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$47,198/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$165,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,876
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$26,681
−HK$818/mo
Today · 4.125%
HK$27,499
baseline
▲ 0.50% · 4.625%
HK$29,172
+HK$1,673/mo
Deposit HK$630K · loan HK$5.67M · min. income ≈ HK$54,998/mo (50% DSR)
Upfront cash ≈ HK$796K (deposit + AVD stamp duty HK$165,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,787
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$29,559
−HK$783/mo
Today · 4.125%
HK$30,342
baseline
▲ 0.50% · 4.625%
HK$31,941
+HK$1,599/mo
Deposit HK$630K · loan HK$5.67M · min. income ≈ HK$60,684/mo (50% DSR)
Upfront cash ≈ HK$796K (deposit + AVD stamp duty HK$165,434 · 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).