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$14,434
−HK$905/mo
▼ 0.25% · 3.875%
HK$14,883
−HK$456/mo
Today · 4.125%
HK$15,339
baseline
▲ 0.50% · 4.625%
HK$16,272
+HK$933/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$30,678/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$167,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,057
−HK$868/mo
▼ 0.25% · 3.875%
HK$16,488
−HK$437/mo
Today · 4.125%
HK$16,925
baseline
▲ 0.50% · 4.625%
HK$17,817
+HK$892/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$33,850/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$167,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,321
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$17,859
−HK$548/mo
Today · 4.125%
HK$18,407
baseline
▲ 0.50% · 4.625%
HK$19,527
+HK$1,120/mo
Deposit HK$2.53M · loan HK$3.80M · min. income ≈ HK$36,814/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$167,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,269
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,786
−HK$524/mo
Today · 4.125%
HK$20,310
baseline
▲ 0.50% · 4.625%
HK$21,381
+HK$1,071/mo
Deposit HK$2.53M · loan HK$3.80M · min. income ≈ HK$40,620/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$167,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,207
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$20,836
−HK$638/mo
Today · 4.125%
HK$21,474
baseline
▲ 0.50% · 4.625%
HK$22,781
+HK$1,307/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$42,948/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$167,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,480
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,083
−HK$612/mo
Today · 4.125%
HK$23,695
baseline
▲ 0.50% · 4.625%
HK$24,944
+HK$1,249/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$47,390/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$167,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,981
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$26,789
−HK$821/mo
Today · 4.125%
HK$27,610
baseline
▲ 0.50% · 4.625%
HK$29,290
+HK$1,680/mo
Deposit HK$633K · loan HK$5.70M · min. income ≈ HK$55,220/mo (50% DSR)
Upfront cash ≈ HK$801K (deposit + AVD stamp duty HK$167,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,903
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$29,679
−HK$786/mo
Today · 4.125%
HK$30,465
baseline
▲ 0.50% · 4.625%
HK$32,071
+HK$1,606/mo
Deposit HK$633K · loan HK$5.70M · min. income ≈ HK$60,930/mo (50% DSR)
Upfront cash ≈ HK$801K (deposit + AVD stamp duty HK$167,990 · 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).