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$14,337
−HK$899/mo
▼ 0.25% · 3.875%
HK$14,783
−HK$453/mo
Today · 4.125%
HK$15,236
baseline
▲ 0.50% · 4.625%
HK$16,163
+HK$927/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$30,472/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$163,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,950
−HK$862/mo
▼ 0.25% · 3.875%
HK$16,378
−HK$434/mo
Today · 4.125%
HK$16,812
baseline
▲ 0.50% · 4.625%
HK$17,698
+HK$886/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$33,624/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$163,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,205
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$17,740
−HK$543/mo
Today · 4.125%
HK$18,283
baseline
▲ 0.50% · 4.625%
HK$19,396
+HK$1,113/mo
Deposit HK$2.52M · loan HK$3.77M · min. income ≈ HK$36,566/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$163,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,140
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$19,653
−HK$521/mo
Today · 4.125%
HK$20,174
baseline
▲ 0.50% · 4.625%
HK$21,237
+HK$1,063/mo
Deposit HK$2.52M · loan HK$3.77M · min. income ≈ HK$40,348/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$163,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,072
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$20,696
−HK$635/mo
Today · 4.125%
HK$21,331
baseline
▲ 0.50% · 4.625%
HK$22,629
+HK$1,298/mo
Deposit HK$1.89M · loan HK$4.40M · min. income ≈ HK$42,662/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$163,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,330
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$22,929
−HK$607/mo
Today · 4.125%
HK$23,536
baseline
▲ 0.50% · 4.625%
HK$24,777
+HK$1,241/mo
Deposit HK$1.89M · loan HK$4.40M · min. income ≈ HK$47,072/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$163,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,807
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$26,610
−HK$815/mo
Today · 4.125%
HK$27,425
baseline
▲ 0.50% · 4.625%
HK$29,094
+HK$1,669/mo
Deposit HK$629K · loan HK$5.66M · min. income ≈ HK$54,850/mo (50% DSR)
Upfront cash ≈ HK$793K (deposit + AVD stamp duty HK$163,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,710
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$29,480
−HK$781/mo
Today · 4.125%
HK$30,261
baseline
▲ 0.50% · 4.625%
HK$31,856
+HK$1,595/mo
Deposit HK$629K · loan HK$5.66M · min. income ≈ HK$60,522/mo (50% DSR)
Upfront cash ≈ HK$793K (deposit + AVD stamp duty HK$163,751 · 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).