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$14,350
−HK$900/mo
▼ 0.25% · 3.875%
HK$14,797
−HK$453/mo
Today · 4.125%
HK$15,250
baseline
▲ 0.50% · 4.625%
HK$16,178
+HK$928/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$30,500/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$164,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,965
−HK$862/mo
▼ 0.25% · 3.875%
HK$16,393
−HK$434/mo
Today · 4.125%
HK$16,827
baseline
▲ 0.50% · 4.625%
HK$17,714
+HK$887/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$33,654/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$164,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,220
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$17,756
−HK$544/mo
Today · 4.125%
HK$18,300
baseline
▲ 0.50% · 4.625%
HK$19,414
+HK$1,114/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$36,600/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$164,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,158
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$19,671
−HK$522/mo
Today · 4.125%
HK$20,193
baseline
▲ 0.50% · 4.625%
HK$21,257
+HK$1,064/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$40,386/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$164,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,090
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$20,715
−HK$635/mo
Today · 4.125%
HK$21,350
baseline
▲ 0.50% · 4.625%
HK$22,649
+HK$1,299/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$42,700/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$164,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,350
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$22,950
−HK$608/mo
Today · 4.125%
HK$23,558
baseline
▲ 0.50% · 4.625%
HK$24,800
+HK$1,242/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$47,116/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$164,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,831
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$26,634
−HK$816/mo
Today · 4.125%
HK$27,450
baseline
▲ 0.50% · 4.625%
HK$29,121
+HK$1,671/mo
Deposit HK$629K · loan HK$5.66M · min. income ≈ HK$54,900/mo (50% DSR)
Upfront cash ≈ HK$794K (deposit + AVD stamp duty HK$164,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,736
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$29,507
−HK$782/mo
Today · 4.125%
HK$30,289
baseline
▲ 0.50% · 4.625%
HK$31,885
+HK$1,596/mo
Deposit HK$629K · loan HK$5.66M · min. income ≈ HK$60,578/mo (50% DSR)
Upfront cash ≈ HK$794K (deposit + AVD stamp duty HK$164,330 · 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).