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$14,311
−HK$898/mo
▼ 0.25% · 3.875%
HK$14,756
−HK$453/mo
Today · 4.125%
HK$15,209
baseline
▲ 0.50% · 4.625%
HK$16,134
+HK$925/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$30,418/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$162,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,921
−HK$860/mo
▼ 0.25% · 3.875%
HK$16,348
−HK$433/mo
Today · 4.125%
HK$16,781
baseline
▲ 0.50% · 4.625%
HK$17,666
+HK$885/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$33,562/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$162,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,173
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$17,708
−HK$542/mo
Today · 4.125%
HK$18,250
baseline
▲ 0.50% · 4.625%
HK$19,361
+HK$1,111/mo
Deposit HK$2.51M · loan HK$3.77M · min. income ≈ HK$36,500/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$162,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,105
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$19,618
−HK$519/mo
Today · 4.125%
HK$20,137
baseline
▲ 0.50% · 4.625%
HK$21,199
+HK$1,062/mo
Deposit HK$2.51M · loan HK$3.77M · min. income ≈ HK$40,274/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$162,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,036
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$20,659
−HK$633/mo
Today · 4.125%
HK$21,292
baseline
▲ 0.50% · 4.625%
HK$22,588
+HK$1,296/mo
Deposit HK$1.88M · loan HK$4.39M · min. income ≈ HK$42,584/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$162,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,289
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$22,887
−HK$607/mo
Today · 4.125%
HK$23,494
baseline
▲ 0.50% · 4.625%
HK$24,732
+HK$1,238/mo
Deposit HK$1.88M · loan HK$4.39M · min. income ≈ HK$46,988/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$162,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,760
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$26,561
−HK$814/mo
Today · 4.125%
HK$27,375
baseline
▲ 0.50% · 4.625%
HK$29,041
+HK$1,666/mo
Deposit HK$628K · loan HK$5.65M · min. income ≈ HK$54,750/mo (50% DSR)
Upfront cash ≈ HK$790K (deposit + AVD stamp duty HK$162,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,658
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$29,426
−HK$780/mo
Today · 4.125%
HK$30,206
baseline
▲ 0.50% · 4.625%
HK$31,798
+HK$1,592/mo
Deposit HK$628K · loan HK$5.65M · min. income ≈ HK$60,412/mo (50% DSR)
Upfront cash ≈ HK$790K (deposit + AVD stamp duty HK$162,611 · 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).