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$14,305
−HK$897/mo
▼ 0.25% · 3.875%
HK$14,750
−HK$452/mo
Today · 4.125%
HK$15,202
baseline
▲ 0.50% · 4.625%
HK$16,127
+HK$925/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$30,404/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$162,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,914
−HK$860/mo
▼ 0.25% · 3.875%
HK$16,341
−HK$433/mo
Today · 4.125%
HK$16,774
baseline
▲ 0.50% · 4.625%
HK$17,658
+HK$884/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$33,548/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$162,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,166
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$17,700
−HK$542/mo
Today · 4.125%
HK$18,242
baseline
▲ 0.50% · 4.625%
HK$19,352
+HK$1,110/mo
Deposit HK$2.51M · loan HK$3.76M · min. income ≈ HK$36,484/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$162,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,097
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$19,609
−HK$520/mo
Today · 4.125%
HK$20,129
baseline
▲ 0.50% · 4.625%
HK$21,190
+HK$1,061/mo
Deposit HK$2.51M · loan HK$3.76M · min. income ≈ HK$40,258/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$162,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,027
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$20,650
−HK$633/mo
Today · 4.125%
HK$21,283
baseline
▲ 0.50% · 4.625%
HK$22,578
+HK$1,295/mo
Deposit HK$1.88M · loan HK$4.39M · min. income ≈ HK$42,566/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$162,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,280
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$22,877
−HK$606/mo
Today · 4.125%
HK$23,483
baseline
▲ 0.50% · 4.625%
HK$24,721
+HK$1,238/mo
Deposit HK$1.88M · loan HK$4.39M · min. income ≈ HK$46,966/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$162,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,749
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$26,550
−HK$813/mo
Today · 4.125%
HK$27,363
baseline
▲ 0.50% · 4.625%
HK$29,028
+HK$1,665/mo
Deposit HK$627K · loan HK$5.65M · min. income ≈ HK$54,726/mo (50% DSR)
Upfront cash ≈ HK$790K (deposit + AVD stamp duty HK$162,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,645
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$29,413
−HK$780/mo
Today · 4.125%
HK$30,193
baseline
▲ 0.50% · 4.625%
HK$31,784
+HK$1,591/mo
Deposit HK$627K · loan HK$5.65M · min. income ≈ HK$60,386/mo (50% DSR)
Upfront cash ≈ HK$790K (deposit + AVD stamp duty HK$162,336 · 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).