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$14,392
−HK$902/mo
▼ 0.25% · 3.875%
HK$14,840
−HK$454/mo
Today · 4.125%
HK$15,294
baseline
▲ 0.50% · 4.625%
HK$16,225
+HK$931/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$30,588/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$166,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,011
−HK$865/mo
▼ 0.25% · 3.875%
HK$16,440
−HK$436/mo
Today · 4.125%
HK$16,876
baseline
▲ 0.50% · 4.625%
HK$17,765
+HK$889/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$33,752/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$166,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,270
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$17,808
−HK$545/mo
Today · 4.125%
HK$18,353
baseline
▲ 0.50% · 4.625%
HK$19,470
+HK$1,117/mo
Deposit HK$2.52M · loan HK$3.79M · min. income ≈ HK$36,706/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$166,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,213
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$19,728
−HK$523/mo
Today · 4.125%
HK$20,251
baseline
▲ 0.50% · 4.625%
HK$21,319
+HK$1,068/mo
Deposit HK$2.52M · loan HK$3.79M · min. income ≈ HK$40,502/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$166,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,149
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$20,775
−HK$637/mo
Today · 4.125%
HK$21,412
baseline
▲ 0.50% · 4.625%
HK$22,715
+HK$1,303/mo
Deposit HK$1.89M · loan HK$4.42M · min. income ≈ HK$42,824/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$166,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,415
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,016
−HK$610/mo
Today · 4.125%
HK$23,626
baseline
▲ 0.50% · 4.625%
HK$24,872
+HK$1,246/mo
Deposit HK$1.89M · loan HK$4.42M · min. income ≈ HK$47,252/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$166,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,906
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$26,711
−HK$819/mo
Today · 4.125%
HK$27,530
baseline
▲ 0.50% · 4.625%
HK$29,205
+HK$1,675/mo
Deposit HK$631K · loan HK$5.68M · min. income ≈ HK$55,060/mo (50% DSR)
Upfront cash ≈ HK$797K (deposit + AVD stamp duty HK$166,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,820
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$29,593
−HK$784/mo
Today · 4.125%
HK$30,377
baseline
▲ 0.50% · 4.625%
HK$31,978
+HK$1,601/mo
Deposit HK$631K · loan HK$5.68M · min. income ≈ HK$60,754/mo (50% DSR)
Upfront cash ≈ HK$797K (deposit + AVD stamp duty HK$166,156 · 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).