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$14,401
−HK$903/mo
▼ 0.25% · 3.875%
HK$14,849
−HK$455/mo
Today · 4.125%
HK$15,304
baseline
▲ 0.50% · 4.625%
HK$16,235
+HK$931/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$30,608/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$166,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,021
−HK$865/mo
▼ 0.25% · 3.875%
HK$16,450
−HK$436/mo
Today · 4.125%
HK$16,886
baseline
▲ 0.50% · 4.625%
HK$17,776
+HK$890/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$33,772/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$166,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,281
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$17,819
−HK$546/mo
Today · 4.125%
HK$18,365
baseline
▲ 0.50% · 4.625%
HK$19,482
+HK$1,117/mo
Deposit HK$2.53M · loan HK$3.79M · min. income ≈ HK$36,730/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$166,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,225
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$19,741
−HK$523/mo
Today · 4.125%
HK$20,264
baseline
▲ 0.50% · 4.625%
HK$21,332
+HK$1,068/mo
Deposit HK$2.53M · loan HK$3.79M · min. income ≈ HK$40,528/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$166,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,161
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$20,788
−HK$637/mo
Today · 4.125%
HK$21,425
baseline
▲ 0.50% · 4.625%
HK$22,729
+HK$1,304/mo
Deposit HK$1.89M · loan HK$4.42M · min. income ≈ HK$42,850/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$166,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,429
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$23,031
−HK$610/mo
Today · 4.125%
HK$23,641
baseline
▲ 0.50% · 4.625%
HK$24,887
+HK$1,246/mo
Deposit HK$1.89M · loan HK$4.42M · min. income ≈ HK$47,282/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$166,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,922
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$26,728
−HK$819/mo
Today · 4.125%
HK$27,547
baseline
▲ 0.50% · 4.625%
HK$29,223
+HK$1,676/mo
Deposit HK$632K · loan HK$5.68M · min. income ≈ HK$55,094/mo (50% DSR)
Upfront cash ≈ HK$798K (deposit + AVD stamp duty HK$166,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,837
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$29,611
−HK$784/mo
Today · 4.125%
HK$30,395
baseline
▲ 0.50% · 4.625%
HK$31,998
+HK$1,603/mo
Deposit HK$632K · loan HK$5.68M · min. income ≈ HK$60,790/mo (50% DSR)
Upfront cash ≈ HK$798K (deposit + AVD stamp duty HK$166,545 · 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).