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$14,370
−HK$901/mo
▼ 0.25% · 3.875%
HK$14,817
−HK$454/mo
Today · 4.125%
HK$15,271
baseline
▲ 0.50% · 4.625%
HK$16,200
+HK$929/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$30,542/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$165,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,986
−HK$864/mo
▼ 0.25% · 3.875%
HK$16,415
−HK$435/mo
Today · 4.125%
HK$16,850
baseline
▲ 0.50% · 4.625%
HK$17,738
+HK$888/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$33,700/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$165,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,244
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,780
−HK$545/mo
Today · 4.125%
HK$18,325
baseline
▲ 0.50% · 4.625%
HK$19,440
+HK$1,115/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$36,650/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$165,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,183
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$19,698
−HK$522/mo
Today · 4.125%
HK$20,220
baseline
▲ 0.50% · 4.625%
HK$21,286
+HK$1,066/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$40,440/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$165,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,118
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$20,743
−HK$636/mo
Today · 4.125%
HK$21,379
baseline
▲ 0.50% · 4.625%
HK$22,680
+HK$1,301/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$42,758/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$165,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,381
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$22,981
−HK$609/mo
Today · 4.125%
HK$23,590
baseline
▲ 0.50% · 4.625%
HK$24,833
+HK$1,243/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$47,180/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$165,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,865
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,670
−HK$817/mo
Today · 4.125%
HK$27,487
baseline
▲ 0.50% · 4.625%
HK$29,160
+HK$1,673/mo
Deposit HK$630K · loan HK$5.67M · min. income ≈ HK$54,974/mo (50% DSR)
Upfront cash ≈ HK$795K (deposit + AVD stamp duty HK$165,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,775
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$29,547
−HK$783/mo
Today · 4.125%
HK$30,330
baseline
▲ 0.50% · 4.625%
HK$31,928
+HK$1,598/mo
Deposit HK$630K · loan HK$5.67M · min. income ≈ HK$60,660/mo (50% DSR)
Upfront cash ≈ HK$795K (deposit + AVD stamp duty HK$165,178 · 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).