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$14,341
−HK$899/mo
▼ 0.25% · 3.875%
HK$14,787
−HK$453/mo
Today · 4.125%
HK$15,240
baseline
▲ 0.50% · 4.625%
HK$16,168
+HK$928/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$30,480/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$163,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,954
−HK$862/mo
▼ 0.25% · 3.875%
HK$16,382
−HK$434/mo
Today · 4.125%
HK$16,816
baseline
▲ 0.50% · 4.625%
HK$17,703
+HK$887/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$33,632/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$163,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,209
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$17,745
−HK$543/mo
Today · 4.125%
HK$18,288
baseline
▲ 0.50% · 4.625%
HK$19,401
+HK$1,113/mo
Deposit HK$2.52M · loan HK$3.77M · min. income ≈ HK$36,576/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$163,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,145
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$19,659
−HK$521/mo
Today · 4.125%
HK$20,180
baseline
▲ 0.50% · 4.625%
HK$21,243
+HK$1,063/mo
Deposit HK$2.52M · loan HK$3.77M · min. income ≈ HK$40,360/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$163,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,078
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$20,702
−HK$635/mo
Today · 4.125%
HK$21,337
baseline
▲ 0.50% · 4.625%
HK$22,635
+HK$1,298/mo
Deposit HK$1.89M · loan HK$4.40M · min. income ≈ HK$42,674/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$163,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,336
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$22,935
−HK$608/mo
Today · 4.125%
HK$23,543
baseline
▲ 0.50% · 4.625%
HK$24,784
+HK$1,241/mo
Deposit HK$1.89M · loan HK$4.40M · min. income ≈ HK$47,086/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$163,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,814
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$26,617
−HK$816/mo
Today · 4.125%
HK$27,433
baseline
▲ 0.50% · 4.625%
HK$29,102
+HK$1,669/mo
Deposit HK$629K · loan HK$5.66M · min. income ≈ HK$54,866/mo (50% DSR)
Upfront cash ≈ HK$793K (deposit + AVD stamp duty HK$163,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,718
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$29,488
−HK$781/mo
Today · 4.125%
HK$30,269
baseline
▲ 0.50% · 4.625%
HK$31,865
+HK$1,596/mo
Deposit HK$629K · loan HK$5.66M · min. income ≈ HK$60,538/mo (50% DSR)
Upfront cash ≈ HK$793K (deposit + AVD stamp duty HK$163,925 · 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).