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$14,421
−HK$905/mo
▼ 0.25% · 3.875%
HK$14,870
−HK$456/mo
Today · 4.125%
HK$15,326
baseline
▲ 0.50% · 4.625%
HK$16,258
+HK$932/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$30,652/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$167,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,044
−HK$866/mo
▼ 0.25% · 3.875%
HK$16,474
−HK$436/mo
Today · 4.125%
HK$16,910
baseline
▲ 0.50% · 4.625%
HK$17,802
+HK$892/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$33,820/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$167,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,306
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$17,844
−HK$547/mo
Today · 4.125%
HK$18,391
baseline
▲ 0.50% · 4.625%
HK$19,510
+HK$1,119/mo
Deposit HK$2.53M · loan HK$3.79M · min. income ≈ HK$36,782/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$167,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,252
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,769
−HK$524/mo
Today · 4.125%
HK$20,293
baseline
▲ 0.50% · 4.625%
HK$21,362
+HK$1,069/mo
Deposit HK$2.53M · loan HK$3.79M · min. income ≈ HK$40,586/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$167,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,190
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$20,818
−HK$638/mo
Today · 4.125%
HK$21,456
baseline
▲ 0.50% · 4.625%
HK$22,762
+HK$1,306/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$42,912/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$167,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,461
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$23,063
−HK$612/mo
Today · 4.125%
HK$23,675
baseline
▲ 0.50% · 4.625%
HK$24,923
+HK$1,248/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$47,350/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$167,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,958
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$26,766
−HK$820/mo
Today · 4.125%
HK$27,586
baseline
▲ 0.50% · 4.625%
HK$29,265
+HK$1,679/mo
Deposit HK$632K · loan HK$5.69M · min. income ≈ HK$55,172/mo (50% DSR)
Upfront cash ≈ HK$800K (deposit + AVD stamp duty HK$167,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,879
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,653
−HK$786/mo
Today · 4.125%
HK$30,439
baseline
▲ 0.50% · 4.625%
HK$32,043
+HK$1,604/mo
Deposit HK$632K · loan HK$5.69M · min. income ≈ HK$60,878/mo (50% DSR)
Upfront cash ≈ HK$800K (deposit + AVD stamp duty HK$167,446 · 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).