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$14,286
−HK$896/mo
▼ 0.25% · 3.875%
HK$14,730
−HK$452/mo
Today · 4.125%
HK$15,182
baseline
▲ 0.50% · 4.625%
HK$16,105
+HK$923/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$30,364/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$161,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,893
−HK$858/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$161,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,143
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$17,676
−HK$542/mo
Today · 4.125%
HK$18,218
baseline
▲ 0.50% · 4.625%
HK$19,326
+HK$1,108/mo
Deposit HK$2.51M · loan HK$3.76M · min. income ≈ HK$36,436/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$161,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,071
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$19,583
−HK$519/mo
Today · 4.125%
HK$20,102
baseline
▲ 0.50% · 4.625%
HK$21,161
+HK$1,059/mo
Deposit HK$2.51M · loan HK$3.76M · min. income ≈ HK$40,204/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$161,496 · 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$161,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,250
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$22,847
−HK$605/mo
Today · 4.125%
HK$23,452
baseline
▲ 0.50% · 4.625%
HK$24,688
+HK$1,236/mo
Deposit HK$1.88M · loan HK$4.39M · min. income ≈ HK$46,904/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$161,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,714
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$26,514
−HK$813/mo
Today · 4.125%
HK$27,327
baseline
▲ 0.50% · 4.625%
HK$28,990
+HK$1,663/mo
Deposit HK$626K · loan HK$5.64M · min. income ≈ HK$54,654/mo (50% DSR)
Upfront cash ≈ HK$788K (deposit + AVD stamp duty HK$161,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,607
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$29,374
−HK$778/mo
Today · 4.125%
HK$30,152
baseline
▲ 0.50% · 4.625%
HK$31,742
+HK$1,590/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$161,496 · 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).