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$14,379
−HK$902/mo
▼ 0.25% · 3.875%
HK$14,827
−HK$454/mo
Today · 4.125%
HK$15,281
baseline
▲ 0.50% · 4.625%
HK$16,211
+HK$930/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$30,562/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$165,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,997
−HK$864/mo
▼ 0.25% · 3.875%
HK$16,426
−HK$435/mo
Today · 4.125%
HK$16,861
baseline
▲ 0.50% · 4.625%
HK$17,750
+HK$889/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$33,722/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$165,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,255
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$17,792
−HK$545/mo
Today · 4.125%
HK$18,337
baseline
▲ 0.50% · 4.625%
HK$19,453
+HK$1,116/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$36,674/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$165,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,196
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$19,711
−HK$523/mo
Today · 4.125%
HK$20,234
baseline
▲ 0.50% · 4.625%
HK$21,300
+HK$1,066/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$40,468/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$165,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,131
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$20,757
−HK$637/mo
Today · 4.125%
HK$21,394
baseline
▲ 0.50% · 4.625%
HK$22,695
+HK$1,301/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$42,788/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$165,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,396
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$22,996
−HK$610/mo
Today · 4.125%
HK$23,606
baseline
▲ 0.50% · 4.625%
HK$24,850
+HK$1,244/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$47,212/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$165,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,883
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$26,688
−HK$818/mo
Today · 4.125%
HK$27,506
baseline
▲ 0.50% · 4.625%
HK$29,180
+HK$1,674/mo
Deposit HK$631K · loan HK$5.68M · min. income ≈ HK$55,012/mo (50% DSR)
Upfront cash ≈ HK$796K (deposit + AVD stamp duty HK$165,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,795
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$29,567
−HK$783/mo
Today · 4.125%
HK$30,350
baseline
▲ 0.50% · 4.625%
HK$31,950
+HK$1,600/mo
Deposit HK$631K · loan HK$5.68M · min. income ≈ HK$60,700/mo (50% DSR)
Upfront cash ≈ HK$796K (deposit + AVD stamp duty HK$165,607 · 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).