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$14,422
−HK$905/mo
▼ 0.25% · 3.875%
HK$14,871
−HK$456/mo
Today · 4.125%
HK$15,327
baseline
▲ 0.50% · 4.625%
HK$16,259
+HK$932/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$30,654/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$167,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,045
−HK$866/mo
▼ 0.25% · 3.875%
HK$16,475
−HK$436/mo
Today · 4.125%
HK$16,911
baseline
▲ 0.50% · 4.625%
HK$17,803
+HK$892/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$33,822/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$167,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,307
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$17,845
−HK$547/mo
Today · 4.125%
HK$18,392
baseline
▲ 0.50% · 4.625%
HK$19,511
+HK$1,119/mo
Deposit HK$2.53M · loan HK$3.79M · min. income ≈ HK$36,784/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$167,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,253
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,770
−HK$524/mo
Today · 4.125%
HK$20,294
baseline
▲ 0.50% · 4.625%
HK$21,363
+HK$1,069/mo
Deposit HK$2.53M · loan HK$3.79M · min. income ≈ HK$40,588/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$167,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,191
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$20,819
−HK$638/mo
Today · 4.125%
HK$21,457
baseline
▲ 0.50% · 4.625%
HK$22,763
+HK$1,306/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$42,914/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$167,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,462
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$23,065
−HK$611/mo
Today · 4.125%
HK$23,676
baseline
▲ 0.50% · 4.625%
HK$24,924
+HK$1,248/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$47,352/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$167,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,960
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$26,767
−HK$821/mo
Today · 4.125%
HK$27,588
baseline
▲ 0.50% · 4.625%
HK$29,266
+HK$1,678/mo
Deposit HK$632K · loan HK$5.69M · min. income ≈ HK$55,176/mo (50% DSR)
Upfront cash ≈ HK$800K (deposit + AVD stamp duty HK$167,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,880
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,655
−HK$785/mo
Today · 4.125%
HK$30,440
baseline
▲ 0.50% · 4.625%
HK$32,045
+HK$1,605/mo
Deposit HK$632K · loan HK$5.69M · min. income ≈ HK$60,880/mo (50% DSR)
Upfront cash ≈ HK$800K (deposit + AVD stamp duty HK$167,481 · 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).