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$14,327
−HK$899/mo
▼ 0.25% · 3.875%
HK$14,773
−HK$453/mo
Today · 4.125%
HK$15,226
baseline
▲ 0.50% · 4.625%
HK$16,152
+HK$926/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$30,452/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$163,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,939
−HK$861/mo
▼ 0.25% · 3.875%
HK$16,366
−HK$434/mo
Today · 4.125%
HK$16,800
baseline
▲ 0.50% · 4.625%
HK$17,685
+HK$885/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$33,600/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$163,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,193
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$17,727
−HK$544/mo
Today · 4.125%
HK$18,271
baseline
▲ 0.50% · 4.625%
HK$19,382
+HK$1,111/mo
Deposit HK$2.51M · loan HK$3.77M · min. income ≈ HK$36,542/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$163,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,127
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$19,639
−HK$521/mo
Today · 4.125%
HK$20,160
baseline
▲ 0.50% · 4.625%
HK$21,223
+HK$1,063/mo
Deposit HK$2.51M · loan HK$3.77M · min. income ≈ HK$40,320/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$163,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,058
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$20,682
−HK$634/mo
Today · 4.125%
HK$21,316
baseline
▲ 0.50% · 4.625%
HK$22,613
+HK$1,297/mo
Deposit HK$1.88M · loan HK$4.40M · min. income ≈ HK$42,632/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$163,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,314
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$22,913
−HK$607/mo
Today · 4.125%
HK$23,520
baseline
▲ 0.50% · 4.625%
HK$24,760
+HK$1,240/mo
Deposit HK$1.88M · loan HK$4.40M · min. income ≈ HK$47,040/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$163,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,789
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$26,591
−HK$815/mo
Today · 4.125%
HK$27,406
baseline
▲ 0.50% · 4.625%
HK$29,074
+HK$1,668/mo
Deposit HK$628K · loan HK$5.65M · min. income ≈ HK$54,812/mo (50% DSR)
Upfront cash ≈ HK$792K (deposit + AVD stamp duty HK$163,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,690
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$29,459
−HK$781/mo
Today · 4.125%
HK$30,240
baseline
▲ 0.50% · 4.625%
HK$31,834
+HK$1,594/mo
Deposit HK$628K · loan HK$5.65M · min. income ≈ HK$60,480/mo (50% DSR)
Upfront cash ≈ HK$792K (deposit + AVD stamp duty HK$163,311 · 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).