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$14,396
−HK$903/mo
▼ 0.25% · 3.875%
HK$14,844
−HK$455/mo
Today · 4.125%
HK$15,299
baseline
▲ 0.50% · 4.625%
HK$16,230
+HK$931/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$30,598/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$166,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,015
−HK$866/mo
▼ 0.25% · 3.875%
HK$16,445
−HK$436/mo
Today · 4.125%
HK$16,881
baseline
▲ 0.50% · 4.625%
HK$17,770
+HK$889/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$33,762/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$166,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,275
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$17,812
−HK$546/mo
Today · 4.125%
HK$18,358
baseline
▲ 0.50% · 4.625%
HK$19,475
+HK$1,117/mo
Deposit HK$2.53M · loan HK$3.79M · min. income ≈ HK$36,716/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$166,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,218
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$19,734
−HK$523/mo
Today · 4.125%
HK$20,257
baseline
▲ 0.50% · 4.625%
HK$21,324
+HK$1,067/mo
Deposit HK$2.53M · loan HK$3.79M · min. income ≈ HK$40,514/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$166,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,154
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$20,781
−HK$637/mo
Today · 4.125%
HK$21,418
baseline
▲ 0.50% · 4.625%
HK$22,721
+HK$1,303/mo
Deposit HK$1.89M · loan HK$4.42M · min. income ≈ HK$42,836/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$166,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,421
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$23,023
−HK$610/mo
Today · 4.125%
HK$23,633
baseline
▲ 0.50% · 4.625%
HK$24,878
+HK$1,245/mo
Deposit HK$1.89M · loan HK$4.42M · min. income ≈ HK$47,266/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$166,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,913
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$26,719
−HK$819/mo
Today · 4.125%
HK$27,538
baseline
▲ 0.50% · 4.625%
HK$29,213
+HK$1,675/mo
Deposit HK$631K · loan HK$5.68M · min. income ≈ HK$55,076/mo (50% DSR)
Upfront cash ≈ HK$798K (deposit + AVD stamp duty HK$166,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,828
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$29,601
−HK$784/mo
Today · 4.125%
HK$30,385
baseline
▲ 0.50% · 4.625%
HK$31,987
+HK$1,602/mo
Deposit HK$631K · loan HK$5.68M · min. income ≈ HK$60,770/mo (50% DSR)
Upfront cash ≈ HK$798K (deposit + AVD stamp duty HK$166,328 · 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).