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$14,315
−HK$898/mo
▼ 0.25% · 3.875%
HK$14,760
−HK$453/mo
Today · 4.125%
HK$15,213
baseline
▲ 0.50% · 4.625%
HK$16,138
+HK$925/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$30,426/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$162,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,925
−HK$861/mo
▼ 0.25% · 3.875%
HK$16,352
−HK$434/mo
Today · 4.125%
HK$16,786
baseline
▲ 0.50% · 4.625%
HK$17,670
+HK$884/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$33,572/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$162,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,178
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$17,712
−HK$543/mo
Today · 4.125%
HK$18,255
baseline
▲ 0.50% · 4.625%
HK$19,366
+HK$1,111/mo
Deposit HK$2.51M · loan HK$3.77M · min. income ≈ HK$36,510/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$162,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,110
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$19,623
−HK$520/mo
Today · 4.125%
HK$20,143
baseline
▲ 0.50% · 4.625%
HK$21,205
+HK$1,062/mo
Deposit HK$2.51M · loan HK$3.77M · min. income ≈ HK$40,286/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$162,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,041
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$20,664
−HK$634/mo
Today · 4.125%
HK$21,298
baseline
▲ 0.50% · 4.625%
HK$22,594
+HK$1,296/mo
Deposit HK$1.88M · loan HK$4.39M · min. income ≈ HK$42,596/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$162,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,295
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$22,893
−HK$607/mo
Today · 4.125%
HK$23,500
baseline
▲ 0.50% · 4.625%
HK$24,739
+HK$1,239/mo
Deposit HK$1.88M · loan HK$4.39M · min. income ≈ HK$47,000/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$162,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,767
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$26,568
−HK$815/mo
Today · 4.125%
HK$27,383
baseline
▲ 0.50% · 4.625%
HK$29,049
+HK$1,666/mo
Deposit HK$628K · loan HK$5.65M · min. income ≈ HK$54,766/mo (50% DSR)
Upfront cash ≈ HK$791K (deposit + AVD stamp duty HK$162,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,665
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$29,434
−HK$780/mo
Today · 4.125%
HK$30,214
baseline
▲ 0.50% · 4.625%
HK$31,807
+HK$1,593/mo
Deposit HK$628K · loan HK$5.65M · min. income ≈ HK$60,428/mo (50% DSR)
Upfront cash ≈ HK$791K (deposit + AVD stamp duty HK$162,779 · 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).