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$14,385
−HK$902/mo
▼ 0.25% · 3.875%
HK$14,832
−HK$455/mo
Today · 4.125%
HK$15,287
baseline
▲ 0.50% · 4.625%
HK$16,217
+HK$930/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$30,574/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$165,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,003
−HK$865/mo
▼ 0.25% · 3.875%
HK$16,432
−HK$436/mo
Today · 4.125%
HK$16,868
baseline
▲ 0.50% · 4.625%
HK$17,757
+HK$889/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$33,736/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$165,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,262
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$17,799
−HK$545/mo
Today · 4.125%
HK$18,344
baseline
▲ 0.50% · 4.625%
HK$19,460
+HK$1,116/mo
Deposit HK$2.52M · loan HK$3.79M · min. income ≈ HK$36,688/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$165,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,204
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$19,719
−HK$522/mo
Today · 4.125%
HK$20,241
baseline
▲ 0.50% · 4.625%
HK$21,308
+HK$1,067/mo
Deposit HK$2.52M · loan HK$3.79M · min. income ≈ HK$40,482/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$165,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,139
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$20,765
−HK$637/mo
Today · 4.125%
HK$21,402
baseline
▲ 0.50% · 4.625%
HK$22,704
+HK$1,302/mo
Deposit HK$1.89M · loan HK$4.42M · min. income ≈ HK$42,804/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$165,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,404
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,005
−HK$610/mo
Today · 4.125%
HK$23,615
baseline
▲ 0.50% · 4.625%
HK$24,859
+HK$1,244/mo
Deposit HK$1.89M · loan HK$4.42M · min. income ≈ HK$47,230/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$165,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,893
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$26,698
−HK$818/mo
Today · 4.125%
HK$27,516
baseline
▲ 0.50% · 4.625%
HK$29,191
+HK$1,675/mo
Deposit HK$631K · loan HK$5.68M · min. income ≈ HK$55,032/mo (50% DSR)
Upfront cash ≈ HK$797K (deposit + AVD stamp duty HK$165,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,805
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$29,578
−HK$784/mo
Today · 4.125%
HK$30,362
baseline
▲ 0.50% · 4.625%
HK$31,962
+HK$1,600/mo
Deposit HK$631K · loan HK$5.68M · min. income ≈ HK$60,724/mo (50% DSR)
Upfront cash ≈ HK$797K (deposit + AVD stamp duty HK$165,844 · 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).