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$14,295
−HK$896/mo
▼ 0.25% · 3.875%
HK$14,740
−HK$451/mo
Today · 4.125%
HK$15,191
baseline
▲ 0.50% · 4.625%
HK$16,116
+HK$925/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$30,382/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$161,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,903
−HK$859/mo
▼ 0.25% · 3.875%
HK$16,330
−HK$432/mo
Today · 4.125%
HK$16,762
baseline
▲ 0.50% · 4.625%
HK$17,646
+HK$884/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$33,524/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$161,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,154
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$17,688
−HK$542/mo
Today · 4.125%
HK$18,230
baseline
▲ 0.50% · 4.625%
HK$19,339
+HK$1,109/mo
Deposit HK$2.51M · loan HK$3.76M · min. income ≈ HK$36,460/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$161,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,084
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$19,595
−HK$520/mo
Today · 4.125%
HK$20,115
baseline
▲ 0.50% · 4.625%
HK$21,175
+HK$1,060/mo
Deposit HK$2.51M · loan HK$3.76M · min. income ≈ HK$40,230/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$161,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,013
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$20,636
−HK$632/mo
Today · 4.125%
HK$21,268
baseline
▲ 0.50% · 4.625%
HK$22,562
+HK$1,294/mo
Deposit HK$1.88M · loan HK$4.39M · min. income ≈ HK$42,536/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$161,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,264
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$22,861
−HK$606/mo
Today · 4.125%
HK$23,467
baseline
▲ 0.50% · 4.625%
HK$24,704
+HK$1,237/mo
Deposit HK$1.88M · loan HK$4.39M · min. income ≈ HK$46,934/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$161,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,731
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$26,531
−HK$814/mo
Today · 4.125%
HK$27,345
baseline
▲ 0.50% · 4.625%
HK$29,008
+HK$1,663/mo
Deposit HK$627K · loan HK$5.64M · min. income ≈ HK$54,690/mo (50% DSR)
Upfront cash ≈ HK$789K (deposit + AVD stamp duty HK$161,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,626
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$29,393
−HK$779/mo
Today · 4.125%
HK$30,172
baseline
▲ 0.50% · 4.625%
HK$31,762
+HK$1,590/mo
Deposit HK$627K · loan HK$5.64M · min. income ≈ HK$60,344/mo (50% DSR)
Upfront cash ≈ HK$789K (deposit + AVD stamp duty HK$161,904 · 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).