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$14,314
−HK$898/mo
▼ 0.25% · 3.875%
HK$14,760
−HK$452/mo
Today · 4.125%
HK$15,212
baseline
▲ 0.50% · 4.625%
HK$16,138
+HK$926/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$30,424/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$162,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,924
−HK$861/mo
▼ 0.25% · 3.875%
HK$16,352
−HK$433/mo
Today · 4.125%
HK$16,785
baseline
▲ 0.50% · 4.625%
HK$17,670
+HK$885/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$33,570/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$162,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,177
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$17,711
−HK$543/mo
Today · 4.125%
HK$18,254
baseline
▲ 0.50% · 4.625%
HK$19,365
+HK$1,111/mo
Deposit HK$2.51M · loan HK$3.77M · min. income ≈ HK$36,508/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$162,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,109
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$19,622
−HK$520/mo
Today · 4.125%
HK$20,142
baseline
▲ 0.50% · 4.625%
HK$21,204
+HK$1,062/mo
Deposit HK$2.51M · loan HK$3.77M · min. income ≈ HK$40,284/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$162,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,040
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$20,663
−HK$634/mo
Today · 4.125%
HK$21,297
baseline
▲ 0.50% · 4.625%
HK$22,593
+HK$1,296/mo
Deposit HK$1.88M · loan HK$4.39M · min. income ≈ HK$42,594/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$162,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,294
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$22,892
−HK$607/mo
Today · 4.125%
HK$23,499
baseline
▲ 0.50% · 4.625%
HK$24,737
+HK$1,238/mo
Deposit HK$1.88M · loan HK$4.39M · min. income ≈ HK$46,998/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$162,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,766
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$26,567
−HK$814/mo
Today · 4.125%
HK$27,381
baseline
▲ 0.50% · 4.625%
HK$29,048
+HK$1,667/mo
Deposit HK$628K · loan HK$5.65M · min. income ≈ HK$54,762/mo (50% DSR)
Upfront cash ≈ HK$790K (deposit + AVD stamp duty HK$162,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,664
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$29,433
−HK$780/mo
Today · 4.125%
HK$30,213
baseline
▲ 0.50% · 4.625%
HK$31,805
+HK$1,592/mo
Deposit HK$628K · loan HK$5.65M · min. income ≈ HK$60,426/mo (50% DSR)
Upfront cash ≈ HK$790K (deposit + AVD stamp duty HK$162,749 · 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).