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$14,354
−HK$900/mo
▼ 0.25% · 3.875%
HK$14,801
−HK$453/mo
Today · 4.125%
HK$15,254
baseline
▲ 0.50% · 4.625%
HK$16,182
+HK$928/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$30,508/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$164,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,969
−HK$863/mo
▼ 0.25% · 3.875%
HK$16,397
−HK$435/mo
Today · 4.125%
HK$16,832
baseline
▲ 0.50% · 4.625%
HK$17,719
+HK$887/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$33,664/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$164,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,225
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$17,761
−HK$544/mo
Today · 4.125%
HK$18,305
baseline
▲ 0.50% · 4.625%
HK$19,419
+HK$1,114/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$36,610/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$164,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,163
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$19,677
−HK$521/mo
Today · 4.125%
HK$20,198
baseline
▲ 0.50% · 4.625%
HK$21,263
+HK$1,065/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$40,396/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$164,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,096
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$20,721
−HK$635/mo
Today · 4.125%
HK$21,356
baseline
▲ 0.50% · 4.625%
HK$22,655
+HK$1,299/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$42,712/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$164,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,356
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$22,956
−HK$608/mo
Today · 4.125%
HK$23,564
baseline
▲ 0.50% · 4.625%
HK$24,806
+HK$1,242/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$47,128/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$164,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,837
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$26,641
−HK$817/mo
Today · 4.125%
HK$27,458
baseline
▲ 0.50% · 4.625%
HK$29,128
+HK$1,670/mo
Deposit HK$629K · loan HK$5.67M · min. income ≈ HK$54,916/mo (50% DSR)
Upfront cash ≈ HK$794K (deposit + AVD stamp duty HK$164,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,744
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$29,515
−HK$782/mo
Today · 4.125%
HK$30,297
baseline
▲ 0.50% · 4.625%
HK$31,894
+HK$1,597/mo
Deposit HK$629K · loan HK$5.67M · min. income ≈ HK$60,594/mo (50% DSR)
Upfront cash ≈ HK$794K (deposit + AVD stamp duty HK$164,496 · 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).