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$14,427
−HK$905/mo
▼ 0.25% · 3.875%
HK$14,876
−HK$456/mo
Today · 4.125%
HK$15,332
baseline
▲ 0.50% · 4.625%
HK$16,264
+HK$932/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$30,664/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$167,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,050
−HK$867/mo
▼ 0.25% · 3.875%
HK$16,480
−HK$437/mo
Today · 4.125%
HK$16,917
baseline
▲ 0.50% · 4.625%
HK$17,809
+HK$892/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$33,834/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$167,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,312
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$17,851
−HK$547/mo
Today · 4.125%
HK$18,398
baseline
▲ 0.50% · 4.625%
HK$19,517
+HK$1,119/mo
Deposit HK$2.53M · loan HK$3.80M · min. income ≈ HK$36,796/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$167,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,260
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$19,776
−HK$524/mo
Today · 4.125%
HK$20,300
baseline
▲ 0.50% · 4.625%
HK$21,370
+HK$1,070/mo
Deposit HK$2.53M · loan HK$3.80M · min. income ≈ HK$40,600/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$167,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,198
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$20,826
−HK$638/mo
Today · 4.125%
HK$21,464
baseline
▲ 0.50% · 4.625%
HK$22,770
+HK$1,306/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$42,928/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$167,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,470
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$23,072
−HK$612/mo
Today · 4.125%
HK$23,684
baseline
▲ 0.50% · 4.625%
HK$24,932
+HK$1,248/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$47,368/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$167,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,968
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$26,776
−HK$821/mo
Today · 4.125%
HK$27,597
baseline
▲ 0.50% · 4.625%
HK$29,276
+HK$1,679/mo
Deposit HK$633K · loan HK$5.69M · min. income ≈ HK$55,194/mo (50% DSR)
Upfront cash ≈ HK$800K (deposit + AVD stamp duty HK$167,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,889
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$29,664
−HK$786/mo
Today · 4.125%
HK$30,450
baseline
▲ 0.50% · 4.625%
HK$32,055
+HK$1,605/mo
Deposit HK$633K · loan HK$5.69M · min. income ≈ HK$60,900/mo (50% DSR)
Upfront cash ≈ HK$800K (deposit + AVD stamp duty HK$167,685 · 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).