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$14,382
−HK$902/mo
▼ 0.25% · 3.875%
HK$14,830
−HK$454/mo
Today · 4.125%
HK$15,284
baseline
▲ 0.50% · 4.625%
HK$16,214
+HK$930/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$30,568/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$165,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,000
−HK$865/mo
▼ 0.25% · 3.875%
HK$16,429
−HK$436/mo
Today · 4.125%
HK$16,865
baseline
▲ 0.50% · 4.625%
HK$17,753
+HK$888/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$33,730/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$165,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,259
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$17,796
−HK$545/mo
Today · 4.125%
HK$18,341
baseline
▲ 0.50% · 4.625%
HK$19,457
+HK$1,116/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$36,682/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$165,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,200
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$19,715
−HK$522/mo
Today · 4.125%
HK$20,237
baseline
▲ 0.50% · 4.625%
HK$21,304
+HK$1,067/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$40,474/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$165,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,135
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$20,761
−HK$637/mo
Today · 4.125%
HK$21,398
baseline
▲ 0.50% · 4.625%
HK$22,700
+HK$1,302/mo
Deposit HK$1.89M · loan HK$4.42M · min. income ≈ HK$42,796/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$165,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,400
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$23,001
−HK$609/mo
Today · 4.125%
HK$23,610
baseline
▲ 0.50% · 4.625%
HK$24,855
+HK$1,245/mo
Deposit HK$1.89M · loan HK$4.42M · min. income ≈ HK$47,220/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$165,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,888
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$26,693
−HK$818/mo
Today · 4.125%
HK$27,511
baseline
▲ 0.50% · 4.625%
HK$29,185
+HK$1,674/mo
Deposit HK$631K · loan HK$5.68M · min. income ≈ HK$55,022/mo (50% DSR)
Upfront cash ≈ HK$796K (deposit + AVD stamp duty HK$165,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,800
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$29,573
−HK$783/mo
Today · 4.125%
HK$30,356
baseline
▲ 0.50% · 4.625%
HK$31,956
+HK$1,600/mo
Deposit HK$631K · loan HK$5.68M · min. income ≈ HK$60,712/mo (50% DSR)
Upfront cash ≈ HK$796K (deposit + AVD stamp duty HK$165,728 · 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).