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$14,287
−HK$895/mo
▼ 0.25% · 3.875%
HK$14,731
−HK$451/mo
Today · 4.125%
HK$15,182
baseline
▲ 0.50% · 4.625%
HK$16,106
+HK$924/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$30,364/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$161,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,894
−HK$858/mo
▼ 0.25% · 3.875%
HK$16,320
−HK$432/mo
Today · 4.125%
HK$16,752
baseline
▲ 0.50% · 4.625%
HK$17,635
+HK$883/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$33,504/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$161,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,144
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$17,677
−HK$542/mo
Today · 4.125%
HK$18,219
baseline
▲ 0.50% · 4.625%
HK$19,328
+HK$1,109/mo
Deposit HK$2.51M · loan HK$3.76M · min. income ≈ HK$36,438/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$161,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,072
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$19,584
−HK$519/mo
Today · 4.125%
HK$20,103
baseline
▲ 0.50% · 4.625%
HK$21,162
+HK$1,059/mo
Deposit HK$2.51M · loan HK$3.76M · min. income ≈ HK$40,206/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$161,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,001
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$20,623
−HK$632/mo
Today · 4.125%
HK$21,255
baseline
▲ 0.50% · 4.625%
HK$22,549
+HK$1,294/mo
Deposit HK$1.88M · loan HK$4.39M · min. income ≈ HK$42,510/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$161,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,251
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$22,848
−HK$605/mo
Today · 4.125%
HK$23,453
baseline
▲ 0.50% · 4.625%
HK$24,690
+HK$1,237/mo
Deposit HK$1.88M · loan HK$4.39M · min. income ≈ HK$46,906/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$161,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,716
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$26,516
−HK$812/mo
Today · 4.125%
HK$27,328
baseline
▲ 0.50% · 4.625%
HK$28,991
+HK$1,663/mo
Deposit HK$627K · loan HK$5.64M · min. income ≈ HK$54,656/mo (50% DSR)
Upfront cash ≈ HK$788K (deposit + AVD stamp duty HK$161,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,609
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$29,376
−HK$778/mo
Today · 4.125%
HK$30,154
baseline
▲ 0.50% · 4.625%
HK$31,744
+HK$1,590/mo
Deposit HK$627K · loan HK$5.64M · min. income ≈ HK$60,308/mo (50% DSR)
Upfront cash ≈ HK$788K (deposit + AVD stamp duty HK$161,533 · 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).