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$14,289
−HK$896/mo
▼ 0.25% · 3.875%
HK$14,734
−HK$451/mo
Today · 4.125%
HK$15,185
baseline
▲ 0.50% · 4.625%
HK$16,109
+HK$924/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$30,370/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$161,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,896
−HK$859/mo
▼ 0.25% · 3.875%
HK$16,323
−HK$432/mo
Today · 4.125%
HK$16,755
baseline
▲ 0.50% · 4.625%
HK$17,639
+HK$884/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$33,510/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$161,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,147
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$17,680
−HK$542/mo
Today · 4.125%
HK$18,222
baseline
▲ 0.50% · 4.625%
HK$19,331
+HK$1,109/mo
Deposit HK$2.51M · loan HK$3.76M · min. income ≈ HK$36,444/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$161,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,076
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,587
−HK$519/mo
Today · 4.125%
HK$20,106
baseline
▲ 0.50% · 4.625%
HK$21,166
+HK$1,060/mo
Deposit HK$2.51M · loan HK$3.76M · min. income ≈ HK$40,212/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$161,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,005
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$20,627
−HK$632/mo
Today · 4.125%
HK$21,259
baseline
▲ 0.50% · 4.625%
HK$22,553
+HK$1,294/mo
Deposit HK$1.88M · loan HK$4.39M · min. income ≈ HK$42,518/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$161,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,255
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$22,852
−HK$605/mo
Today · 4.125%
HK$23,457
baseline
▲ 0.50% · 4.625%
HK$24,694
+HK$1,237/mo
Deposit HK$1.88M · loan HK$4.39M · min. income ≈ HK$46,914/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$161,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,720
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$26,520
−HK$813/mo
Today · 4.125%
HK$27,333
baseline
▲ 0.50% · 4.625%
HK$28,996
+HK$1,663/mo
Deposit HK$627K · loan HK$5.64M · min. income ≈ HK$54,666/mo (50% DSR)
Upfront cash ≈ HK$788K (deposit + AVD stamp duty HK$161,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,614
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$29,381
−HK$779/mo
Today · 4.125%
HK$30,160
baseline
▲ 0.50% · 4.625%
HK$31,749
+HK$1,589/mo
Deposit HK$627K · loan HK$5.64M · min. income ≈ HK$60,320/mo (50% DSR)
Upfront cash ≈ HK$788K (deposit + AVD stamp duty HK$161,645 · 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).