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$14,430
−HK$905/mo
▼ 0.25% · 3.875%
HK$14,879
−HK$456/mo
Today · 4.125%
HK$15,335
baseline
▲ 0.50% · 4.625%
HK$16,268
+HK$933/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$30,670/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$167,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,054
−HK$867/mo
▼ 0.25% · 3.875%
HK$16,484
−HK$437/mo
Today · 4.125%
HK$16,921
baseline
▲ 0.50% · 4.625%
HK$17,813
+HK$892/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$33,842/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$167,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,316
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$17,855
−HK$547/mo
Today · 4.125%
HK$18,402
baseline
▲ 0.50% · 4.625%
HK$19,522
+HK$1,120/mo
Deposit HK$2.53M · loan HK$3.80M · min. income ≈ HK$36,804/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$167,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,264
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,781
−HK$524/mo
Today · 4.125%
HK$20,305
baseline
▲ 0.50% · 4.625%
HK$21,375
+HK$1,070/mo
Deposit HK$2.53M · loan HK$3.80M · min. income ≈ HK$40,610/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$167,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,202
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$20,831
−HK$638/mo
Today · 4.125%
HK$21,469
baseline
▲ 0.50% · 4.625%
HK$22,776
+HK$1,307/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$42,938/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$167,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,475
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$23,078
−HK$611/mo
Today · 4.125%
HK$23,689
baseline
▲ 0.50% · 4.625%
HK$24,938
+HK$1,249/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$47,378/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$167,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,975
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$26,783
−HK$820/mo
Today · 4.125%
HK$27,603
baseline
▲ 0.50% · 4.625%
HK$29,283
+HK$1,680/mo
Deposit HK$633K · loan HK$5.70M · min. income ≈ HK$55,206/mo (50% DSR)
Upfront cash ≈ HK$801K (deposit + AVD stamp duty HK$167,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,896
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$29,671
−HK$787/mo
Today · 4.125%
HK$30,458
baseline
▲ 0.50% · 4.625%
HK$32,063
+HK$1,605/mo
Deposit HK$633K · loan HK$5.70M · min. income ≈ HK$60,916/mo (50% DSR)
Upfront cash ≈ HK$801K (deposit + AVD stamp duty HK$167,839 · 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).