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$14,379
−HK$901/mo
▼ 0.25% · 3.875%
HK$14,826
−HK$454/mo
Today · 4.125%
HK$15,280
baseline
▲ 0.50% · 4.625%
HK$16,210
+HK$930/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$30,560/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$165,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,996
−HK$864/mo
▼ 0.25% · 3.875%
HK$16,425
−HK$435/mo
Today · 4.125%
HK$16,860
baseline
▲ 0.50% · 4.625%
HK$17,749
+HK$889/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$33,720/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$165,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,254
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$17,791
−HK$545/mo
Today · 4.125%
HK$18,336
baseline
▲ 0.50% · 4.625%
HK$19,452
+HK$1,116/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$36,672/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$165,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,195
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$19,710
−HK$522/mo
Today · 4.125%
HK$20,232
baseline
▲ 0.50% · 4.625%
HK$21,299
+HK$1,067/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$40,464/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$165,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,130
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$20,756
−HK$636/mo
Today · 4.125%
HK$21,392
baseline
▲ 0.50% · 4.625%
HK$22,694
+HK$1,302/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$42,784/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$165,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,395
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$22,995
−HK$609/mo
Today · 4.125%
HK$23,604
baseline
▲ 0.50% · 4.625%
HK$24,849
+HK$1,245/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$47,208/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$165,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,882
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$26,687
−HK$818/mo
Today · 4.125%
HK$27,505
baseline
▲ 0.50% · 4.625%
HK$29,178
+HK$1,673/mo
Deposit HK$631K · loan HK$5.68M · min. income ≈ HK$55,010/mo (50% DSR)
Upfront cash ≈ HK$796K (deposit + AVD stamp duty HK$165,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,793
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$29,565
−HK$784/mo
Today · 4.125%
HK$30,349
baseline
▲ 0.50% · 4.625%
HK$31,948
+HK$1,599/mo
Deposit HK$631K · loan HK$5.68M · min. income ≈ HK$60,698/mo (50% DSR)
Upfront cash ≈ HK$796K (deposit + AVD stamp duty HK$165,572 · 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).