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$14,418
−HK$904/mo
▼ 0.25% · 3.875%
HK$14,866
−HK$456/mo
Today · 4.125%
HK$15,322
baseline
▲ 0.50% · 4.625%
HK$16,254
+HK$932/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$30,644/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$167,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,039
−HK$867/mo
▼ 0.25% · 3.875%
HK$16,470
−HK$436/mo
Today · 4.125%
HK$16,906
baseline
▲ 0.50% · 4.625%
HK$17,797
+HK$891/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$33,812/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$167,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,301
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$17,839
−HK$547/mo
Today · 4.125%
HK$18,386
baseline
▲ 0.50% · 4.625%
HK$19,505
+HK$1,119/mo
Deposit HK$2.53M · loan HK$3.79M · min. income ≈ HK$36,772/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$167,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,247
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$19,763
−HK$524/mo
Today · 4.125%
HK$20,287
baseline
▲ 0.50% · 4.625%
HK$21,356
+HK$1,069/mo
Deposit HK$2.53M · loan HK$3.79M · min. income ≈ HK$40,574/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$167,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,185
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$20,812
−HK$638/mo
Today · 4.125%
HK$21,450
baseline
▲ 0.50% · 4.625%
HK$22,756
+HK$1,306/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$42,900/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$167,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,455
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$23,057
−HK$611/mo
Today · 4.125%
HK$23,668
baseline
▲ 0.50% · 4.625%
HK$24,916
+HK$1,248/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$47,336/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$167,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,952
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,759
−HK$820/mo
Today · 4.125%
HK$27,579
baseline
▲ 0.50% · 4.625%
HK$29,257
+HK$1,678/mo
Deposit HK$632K · loan HK$5.69M · min. income ≈ HK$55,158/mo (50% DSR)
Upfront cash ≈ HK$800K (deposit + AVD stamp duty HK$167,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,871
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,645
−HK$786/mo
Today · 4.125%
HK$30,431
baseline
▲ 0.50% · 4.625%
HK$32,035
+HK$1,604/mo
Deposit HK$632K · loan HK$5.69M · min. income ≈ HK$60,862/mo (50% DSR)
Upfront cash ≈ HK$800K (deposit + AVD stamp duty HK$167,278 · 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).