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$14,324
−HK$899/mo
▼ 0.25% · 3.875%
HK$14,770
−HK$453/mo
Today · 4.125%
HK$15,223
baseline
▲ 0.50% · 4.625%
HK$16,149
+HK$926/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$30,446/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$163,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,936
−HK$861/mo
▼ 0.25% · 3.875%
HK$16,363
−HK$434/mo
Today · 4.125%
HK$16,797
baseline
▲ 0.50% · 4.625%
HK$17,682
+HK$885/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$33,594/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$163,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,189
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$17,724
−HK$543/mo
Today · 4.125%
HK$18,267
baseline
▲ 0.50% · 4.625%
HK$19,379
+HK$1,112/mo
Deposit HK$2.51M · loan HK$3.77M · min. income ≈ HK$36,534/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$163,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,123
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$19,636
−HK$520/mo
Today · 4.125%
HK$20,156
baseline
▲ 0.50% · 4.625%
HK$21,219
+HK$1,063/mo
Deposit HK$2.51M · loan HK$3.77M · min. income ≈ HK$40,312/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$163,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,054
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$20,678
−HK$634/mo
Today · 4.125%
HK$21,312
baseline
▲ 0.50% · 4.625%
HK$22,609
+HK$1,297/mo
Deposit HK$1.88M · loan HK$4.40M · min. income ≈ HK$42,624/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$163,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,310
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$22,908
−HK$607/mo
Today · 4.125%
HK$23,515
baseline
▲ 0.50% · 4.625%
HK$24,755
+HK$1,240/mo
Deposit HK$1.88M · loan HK$4.40M · min. income ≈ HK$47,030/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$163,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,784
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$26,586
−HK$815/mo
Today · 4.125%
HK$27,401
baseline
▲ 0.50% · 4.625%
HK$29,068
+HK$1,667/mo
Deposit HK$628K · loan HK$5.65M · min. income ≈ HK$54,802/mo (50% DSR)
Upfront cash ≈ HK$791K (deposit + AVD stamp duty HK$163,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,684
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$29,454
−HK$780/mo
Today · 4.125%
HK$30,234
baseline
▲ 0.50% · 4.625%
HK$31,828
+HK$1,594/mo
Deposit HK$628K · loan HK$5.65M · min. income ≈ HK$60,468/mo (50% DSR)
Upfront cash ≈ HK$791K (deposit + AVD stamp duty HK$163,194 · 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).