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$14,353
−HK$900/mo
▼ 0.25% · 3.875%
HK$14,800
−HK$453/mo
Today · 4.125%
HK$15,253
baseline
▲ 0.50% · 4.625%
HK$16,181
+HK$928/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$30,506/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$164,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,968
−HK$862/mo
▼ 0.25% · 3.875%
HK$16,396
−HK$434/mo
Today · 4.125%
HK$16,830
baseline
▲ 0.50% · 4.625%
HK$17,717
+HK$887/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$33,660/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$164,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,224
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$17,759
−HK$545/mo
Today · 4.125%
HK$18,304
baseline
▲ 0.50% · 4.625%
HK$19,418
+HK$1,114/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$36,608/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$164,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,161
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$19,675
−HK$521/mo
Today · 4.125%
HK$20,196
baseline
▲ 0.50% · 4.625%
HK$21,261
+HK$1,065/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$40,392/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$164,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,094
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$20,719
−HK$635/mo
Today · 4.125%
HK$21,354
baseline
▲ 0.50% · 4.625%
HK$22,654
+HK$1,300/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$42,708/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$164,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,355
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$22,954
−HK$608/mo
Today · 4.125%
HK$23,562
baseline
▲ 0.50% · 4.625%
HK$24,804
+HK$1,242/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$47,124/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$164,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,836
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$26,639
−HK$817/mo
Today · 4.125%
HK$27,456
baseline
▲ 0.50% · 4.625%
HK$29,126
+HK$1,670/mo
Deposit HK$629K · loan HK$5.67M · min. income ≈ HK$54,912/mo (50% DSR)
Upfront cash ≈ HK$794K (deposit + AVD stamp duty HK$164,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,742
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$29,513
−HK$782/mo
Today · 4.125%
HK$30,295
baseline
▲ 0.50% · 4.625%
HK$31,891
+HK$1,596/mo
Deposit HK$629K · loan HK$5.67M · min. income ≈ HK$60,590/mo (50% DSR)
Upfront cash ≈ HK$794K (deposit + AVD stamp duty HK$164,450 · 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).