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$14,371
−HK$902/mo
▼ 0.25% · 3.875%
HK$14,819
−HK$454/mo
Today · 4.125%
HK$15,273
baseline
▲ 0.50% · 4.625%
HK$16,202
+HK$929/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$30,546/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$165,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,988
−HK$864/mo
▼ 0.25% · 3.875%
HK$16,417
−HK$435/mo
Today · 4.125%
HK$16,852
baseline
▲ 0.50% · 4.625%
HK$17,740
+HK$888/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$33,704/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$165,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,246
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,782
−HK$545/mo
Today · 4.125%
HK$18,327
baseline
▲ 0.50% · 4.625%
HK$19,442
+HK$1,115/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$36,654/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$165,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,186
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$19,700
−HK$522/mo
Today · 4.125%
HK$20,222
baseline
▲ 0.50% · 4.625%
HK$21,288
+HK$1,066/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$40,444/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$165,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,120
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$20,746
−HK$636/mo
Today · 4.125%
HK$21,382
baseline
▲ 0.50% · 4.625%
HK$22,683
+HK$1,301/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$42,764/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$165,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,383
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$22,984
−HK$609/mo
Today · 4.125%
HK$23,593
baseline
▲ 0.50% · 4.625%
HK$24,836
+HK$1,243/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$47,186/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$165,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,869
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,673
−HK$818/mo
Today · 4.125%
HK$27,491
baseline
▲ 0.50% · 4.625%
HK$29,164
+HK$1,673/mo
Deposit HK$630K · loan HK$5.67M · min. income ≈ HK$54,982/mo (50% DSR)
Upfront cash ≈ HK$796K (deposit + AVD stamp duty HK$165,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,779
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,550
−HK$783/mo
Today · 4.125%
HK$30,333
baseline
▲ 0.50% · 4.625%
HK$31,932
+HK$1,599/mo
Deposit HK$630K · loan HK$5.67M · min. income ≈ HK$60,666/mo (50% DSR)
Upfront cash ≈ HK$796K (deposit + AVD stamp duty HK$165,258 · 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).