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$14,357
−HK$900/mo
▼ 0.25% · 3.875%
HK$14,803
−HK$454/mo
Today · 4.125%
HK$15,257
baseline
▲ 0.50% · 4.625%
HK$16,185
+HK$928/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$30,514/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$164,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,972
−HK$862/mo
▼ 0.25% · 3.875%
HK$16,400
−HK$434/mo
Today · 4.125%
HK$16,834
baseline
▲ 0.50% · 4.625%
HK$17,722
+HK$888/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$33,668/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$164,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,228
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$17,764
−HK$544/mo
Today · 4.125%
HK$18,308
baseline
▲ 0.50% · 4.625%
HK$19,422
+HK$1,114/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$36,616/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$164,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,166
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$19,680
−HK$521/mo
Today · 4.125%
HK$20,201
baseline
▲ 0.50% · 4.625%
HK$21,266
+HK$1,065/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$40,402/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$164,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,099
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$20,724
−HK$636/mo
Today · 4.125%
HK$21,360
baseline
▲ 0.50% · 4.625%
HK$22,659
+HK$1,299/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$42,720/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$164,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,360
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$22,960
−HK$608/mo
Today · 4.125%
HK$23,568
baseline
▲ 0.50% · 4.625%
HK$24,811
+HK$1,243/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$47,136/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$164,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,842
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$26,646
−HK$816/mo
Today · 4.125%
HK$27,462
baseline
▲ 0.50% · 4.625%
HK$29,133
+HK$1,671/mo
Deposit HK$630K · loan HK$5.67M · min. income ≈ HK$54,924/mo (50% DSR)
Upfront cash ≈ HK$794K (deposit + AVD stamp duty HK$164,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,749
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$29,520
−HK$782/mo
Today · 4.125%
HK$30,302
baseline
▲ 0.50% · 4.625%
HK$31,899
+HK$1,597/mo
Deposit HK$630K · loan HK$5.67M · min. income ≈ HK$60,604/mo (50% DSR)
Upfront cash ≈ HK$794K (deposit + AVD stamp duty HK$164,605 · 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).