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$14,319
−HK$898/mo
▼ 0.25% · 3.875%
HK$14,764
−HK$453/mo
Today · 4.125%
HK$15,217
baseline
▲ 0.50% · 4.625%
HK$16,143
+HK$926/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$30,434/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$162,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,929
−HK$861/mo
▼ 0.25% · 3.875%
HK$16,357
−HK$433/mo
Today · 4.125%
HK$16,790
baseline
▲ 0.50% · 4.625%
HK$17,675
+HK$885/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$33,580/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$162,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,182
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$17,717
−HK$543/mo
Today · 4.125%
HK$18,260
baseline
▲ 0.50% · 4.625%
HK$19,371
+HK$1,111/mo
Deposit HK$2.51M · loan HK$3.77M · min. income ≈ HK$36,520/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$162,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,115
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$19,628
−HK$520/mo
Today · 4.125%
HK$20,148
baseline
▲ 0.50% · 4.625%
HK$21,210
+HK$1,062/mo
Deposit HK$2.51M · loan HK$3.77M · min. income ≈ HK$40,296/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$162,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,046
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$20,670
−HK$633/mo
Today · 4.125%
HK$21,303
baseline
▲ 0.50% · 4.625%
HK$22,600
+HK$1,297/mo
Deposit HK$1.88M · loan HK$4.40M · min. income ≈ HK$42,606/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$162,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,301
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$22,899
−HK$607/mo
Today · 4.125%
HK$23,506
baseline
▲ 0.50% · 4.625%
HK$24,745
+HK$1,239/mo
Deposit HK$1.88M · loan HK$4.40M · min. income ≈ HK$47,012/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$162,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,774
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$26,575
−HK$815/mo
Today · 4.125%
HK$27,390
baseline
▲ 0.50% · 4.625%
HK$29,057
+HK$1,667/mo
Deposit HK$628K · loan HK$5.65M · min. income ≈ HK$54,780/mo (50% DSR)
Upfront cash ≈ HK$791K (deposit + AVD stamp duty HK$162,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,673
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$29,442
−HK$780/mo
Today · 4.125%
HK$30,222
baseline
▲ 0.50% · 4.625%
HK$31,815
+HK$1,593/mo
Deposit HK$628K · loan HK$5.65M · min. income ≈ HK$60,444/mo (50% DSR)
Upfront cash ≈ HK$791K (deposit + AVD stamp duty HK$162,945 · 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).