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$14,432
−HK$905/mo
▼ 0.25% · 3.875%
HK$14,881
−HK$456/mo
Today · 4.125%
HK$15,337
baseline
▲ 0.50% · 4.625%
HK$16,270
+HK$933/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$30,674/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$167,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,056
−HK$867/mo
▼ 0.25% · 3.875%
HK$16,486
−HK$437/mo
Today · 4.125%
HK$16,923
baseline
▲ 0.50% · 4.625%
HK$17,815
+HK$892/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$33,846/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$167,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,319
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$17,857
−HK$548/mo
Today · 4.125%
HK$18,405
baseline
▲ 0.50% · 4.625%
HK$19,525
+HK$1,120/mo
Deposit HK$2.53M · loan HK$3.80M · min. income ≈ HK$36,810/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$167,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,267
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,784
−HK$524/mo
Today · 4.125%
HK$20,308
baseline
▲ 0.50% · 4.625%
HK$21,378
+HK$1,070/mo
Deposit HK$2.53M · loan HK$3.80M · min. income ≈ HK$40,616/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$167,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,205
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$20,834
−HK$638/mo
Today · 4.125%
HK$21,472
baseline
▲ 0.50% · 4.625%
HK$22,779
+HK$1,307/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$42,944/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$167,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,478
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$23,081
−HK$611/mo
Today · 4.125%
HK$23,692
baseline
▲ 0.50% · 4.625%
HK$24,941
+HK$1,249/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$47,384/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$167,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,978
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$26,786
−HK$821/mo
Today · 4.125%
HK$27,607
baseline
▲ 0.50% · 4.625%
HK$29,287
+HK$1,680/mo
Deposit HK$633K · loan HK$5.70M · min. income ≈ HK$55,214/mo (50% DSR)
Upfront cash ≈ HK$801K (deposit + AVD stamp duty HK$167,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,900
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$29,675
−HK$787/mo
Today · 4.125%
HK$30,462
baseline
▲ 0.50% · 4.625%
HK$32,067
+HK$1,605/mo
Deposit HK$633K · loan HK$5.70M · min. income ≈ HK$60,924/mo (50% DSR)
Upfront cash ≈ HK$801K (deposit + AVD stamp duty HK$167,921 · 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).