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$14,285
−HK$896/mo
▼ 0.25% · 3.875%
HK$14,730
−HK$451/mo
Today · 4.125%
HK$15,181
baseline
▲ 0.50% · 4.625%
HK$16,105
+HK$924/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$30,362/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$161,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,892
−HK$859/mo
▼ 0.25% · 3.875%
HK$16,319
−HK$432/mo
Today · 4.125%
HK$16,751
baseline
▲ 0.50% · 4.625%
HK$17,634
+HK$883/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$33,502/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$161,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,142
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$17,676
−HK$541/mo
Today · 4.125%
HK$18,217
baseline
▲ 0.50% · 4.625%
HK$19,326
+HK$1,109/mo
Deposit HK$2.51M · loan HK$3.76M · min. income ≈ HK$36,434/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$161,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,071
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,582
−HK$519/mo
Today · 4.125%
HK$20,101
baseline
▲ 0.50% · 4.625%
HK$21,161
+HK$1,060/mo
Deposit HK$2.51M · loan HK$3.76M · min. income ≈ HK$40,202/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$161,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,000
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$20,622
−HK$632/mo
Today · 4.125%
HK$21,254
baseline
▲ 0.50% · 4.625%
HK$22,547
+HK$1,293/mo
Deposit HK$1.88M · loan HK$4.39M · min. income ≈ HK$42,508/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$161,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,249
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$22,846
−HK$605/mo
Today · 4.125%
HK$23,451
baseline
▲ 0.50% · 4.625%
HK$24,687
+HK$1,236/mo
Deposit HK$1.88M · loan HK$4.39M · min. income ≈ HK$46,902/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$161,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,714
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$26,514
−HK$812/mo
Today · 4.125%
HK$27,326
baseline
▲ 0.50% · 4.625%
HK$28,989
+HK$1,663/mo
Deposit HK$626K · loan HK$5.64M · min. income ≈ HK$54,652/mo (50% DSR)
Upfront cash ≈ HK$788K (deposit + AVD stamp duty HK$161,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,606
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$29,373
−HK$779/mo
Today · 4.125%
HK$30,152
baseline
▲ 0.50% · 4.625%
HK$31,741
+HK$1,589/mo
Deposit HK$626K · loan HK$5.64M · min. income ≈ HK$60,304/mo (50% DSR)
Upfront cash ≈ HK$788K (deposit + AVD stamp duty HK$161,482 · 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).