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$14,389
−HK$902/mo
▼ 0.25% · 3.875%
HK$14,837
−HK$454/mo
Today · 4.125%
HK$15,291
baseline
▲ 0.50% · 4.625%
HK$16,222
+HK$931/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$30,582/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$166,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,008
−HK$864/mo
▼ 0.25% · 3.875%
HK$16,437
−HK$435/mo
Today · 4.125%
HK$16,872
baseline
▲ 0.50% · 4.625%
HK$17,762
+HK$890/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$33,744/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$166,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,267
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$17,804
−HK$545/mo
Today · 4.125%
HK$18,349
baseline
▲ 0.50% · 4.625%
HK$19,466
+HK$1,117/mo
Deposit HK$2.52M · loan HK$3.79M · min. income ≈ HK$36,698/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$166,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,209
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$19,724
−HK$523/mo
Today · 4.125%
HK$20,247
baseline
▲ 0.50% · 4.625%
HK$21,314
+HK$1,067/mo
Deposit HK$2.52M · loan HK$3.79M · min. income ≈ HK$40,494/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$166,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,145
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$20,771
−HK$637/mo
Today · 4.125%
HK$21,408
baseline
▲ 0.50% · 4.625%
HK$22,710
+HK$1,302/mo
Deposit HK$1.89M · loan HK$4.42M · min. income ≈ HK$42,816/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$166,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,411
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$23,012
−HK$609/mo
Today · 4.125%
HK$23,621
baseline
▲ 0.50% · 4.625%
HK$24,866
+HK$1,245/mo
Deposit HK$1.89M · loan HK$4.42M · min. income ≈ HK$47,242/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$166,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,900
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$26,706
−HK$818/mo
Today · 4.125%
HK$27,524
baseline
▲ 0.50% · 4.625%
HK$29,199
+HK$1,675/mo
Deposit HK$631K · loan HK$5.68M · min. income ≈ HK$55,048/mo (50% DSR)
Upfront cash ≈ HK$797K (deposit + AVD stamp duty HK$166,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,814
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$29,586
−HK$784/mo
Today · 4.125%
HK$30,370
baseline
▲ 0.50% · 4.625%
HK$31,971
+HK$1,601/mo
Deposit HK$631K · loan HK$5.68M · min. income ≈ HK$60,740/mo (50% DSR)
Upfront cash ≈ HK$797K (deposit + AVD stamp duty HK$166,023 · 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).