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$14,354
−HK$900/mo
▼ 0.25% · 3.875%
HK$14,800
−HK$454/mo
Today · 4.125%
HK$15,254
baseline
▲ 0.50% · 4.625%
HK$16,182
+HK$928/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$30,508/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$164,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,968
−HK$863/mo
▼ 0.25% · 3.875%
HK$16,397
−HK$434/mo
Today · 4.125%
HK$16,831
baseline
▲ 0.50% · 4.625%
HK$17,718
+HK$887/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$33,662/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$164,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,224
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,760
−HK$545/mo
Today · 4.125%
HK$18,305
baseline
▲ 0.50% · 4.625%
HK$19,418
+HK$1,113/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$36,610/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$164,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,162
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$19,676
−HK$521/mo
Today · 4.125%
HK$20,197
baseline
▲ 0.50% · 4.625%
HK$21,262
+HK$1,065/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$40,394/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$164,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,095
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$20,720
−HK$635/mo
Today · 4.125%
HK$21,355
baseline
▲ 0.50% · 4.625%
HK$22,655
+HK$1,300/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$42,710/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$164,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,356
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$22,955
−HK$609/mo
Today · 4.125%
HK$23,564
baseline
▲ 0.50% · 4.625%
HK$24,806
+HK$1,242/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$47,128/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$164,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,837
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$26,640
−HK$817/mo
Today · 4.125%
HK$27,457
baseline
▲ 0.50% · 4.625%
HK$29,128
+HK$1,671/mo
Deposit HK$629K · loan HK$5.67M · min. income ≈ HK$54,914/mo (50% DSR)
Upfront cash ≈ HK$794K (deposit + AVD stamp duty HK$164,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,743
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$29,514
−HK$782/mo
Today · 4.125%
HK$30,296
baseline
▲ 0.50% · 4.625%
HK$31,893
+HK$1,597/mo
Deposit HK$629K · loan HK$5.67M · min. income ≈ HK$60,592/mo (50% DSR)
Upfront cash ≈ HK$794K (deposit + AVD stamp duty HK$164,479 · 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).