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$14,410
−HK$904/mo
▼ 0.25% · 3.875%
HK$14,858
−HK$456/mo
Today · 4.125%
HK$15,314
baseline
▲ 0.50% · 4.625%
HK$16,245
+HK$931/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$30,628/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$166,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,031
−HK$866/mo
▼ 0.25% · 3.875%
HK$16,461
−HK$436/mo
Today · 4.125%
HK$16,897
baseline
▲ 0.50% · 4.625%
HK$17,788
+HK$891/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$33,794/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$166,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,292
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$17,830
−HK$546/mo
Today · 4.125%
HK$18,376
baseline
▲ 0.50% · 4.625%
HK$19,494
+HK$1,118/mo
Deposit HK$2.53M · loan HK$3.79M · min. income ≈ HK$36,752/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$166,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,237
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$19,753
−HK$523/mo
Today · 4.125%
HK$20,276
baseline
▲ 0.50% · 4.625%
HK$21,345
+HK$1,069/mo
Deposit HK$2.53M · loan HK$3.79M · min. income ≈ HK$40,552/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$166,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,174
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$20,801
−HK$638/mo
Today · 4.125%
HK$21,439
baseline
▲ 0.50% · 4.625%
HK$22,743
+HK$1,304/mo
Deposit HK$1.90M · loan HK$4.42M · min. income ≈ HK$42,878/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$166,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,443
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$23,045
−HK$611/mo
Today · 4.125%
HK$23,656
baseline
▲ 0.50% · 4.625%
HK$24,903
+HK$1,247/mo
Deposit HK$1.90M · loan HK$4.42M · min. income ≈ HK$47,312/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$166,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,938
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$26,745
−HK$819/mo
Today · 4.125%
HK$27,564
baseline
▲ 0.50% · 4.625%
HK$29,242
+HK$1,678/mo
Deposit HK$632K · loan HK$5.69M · min. income ≈ HK$55,128/mo (50% DSR)
Upfront cash ≈ HK$799K (deposit + AVD stamp duty HK$166,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,856
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$29,630
−HK$785/mo
Today · 4.125%
HK$30,415
baseline
▲ 0.50% · 4.625%
HK$32,018
+HK$1,603/mo
Deposit HK$632K · loan HK$5.69M · min. income ≈ HK$60,830/mo (50% DSR)
Upfront cash ≈ HK$799K (deposit + AVD stamp duty HK$166,944 · 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).