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$14,412
−HK$904/mo
▼ 0.25% · 3.875%
HK$14,861
−HK$455/mo
Today · 4.125%
HK$15,316
baseline
▲ 0.50% · 4.625%
HK$16,248
+HK$932/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$30,632/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$167,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,033
−HK$867/mo
▼ 0.25% · 3.875%
HK$16,463
−HK$437/mo
Today · 4.125%
HK$16,900
baseline
▲ 0.50% · 4.625%
HK$17,790
+HK$890/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$33,800/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$167,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,295
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$17,833
−HK$546/mo
Today · 4.125%
HK$18,379
baseline
▲ 0.50% · 4.625%
HK$19,498
+HK$1,119/mo
Deposit HK$2.53M · loan HK$3.79M · min. income ≈ HK$36,758/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$167,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,240
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$19,756
−HK$524/mo
Today · 4.125%
HK$20,280
baseline
▲ 0.50% · 4.625%
HK$21,349
+HK$1,069/mo
Deposit HK$2.53M · loan HK$3.79M · min. income ≈ HK$40,560/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$167,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,177
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$20,805
−HK$637/mo
Today · 4.125%
HK$21,442
baseline
▲ 0.50% · 4.625%
HK$22,747
+HK$1,305/mo
Deposit HK$1.90M · loan HK$4.42M · min. income ≈ HK$42,884/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$167,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,447
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$23,049
−HK$611/mo
Today · 4.125%
HK$23,660
baseline
▲ 0.50% · 4.625%
HK$24,907
+HK$1,247/mo
Deposit HK$1.90M · loan HK$4.42M · min. income ≈ HK$47,320/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$167,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,942
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,749
−HK$820/mo
Today · 4.125%
HK$27,569
baseline
▲ 0.50% · 4.625%
HK$29,246
+HK$1,677/mo
Deposit HK$632K · loan HK$5.69M · min. income ≈ HK$55,138/mo (50% DSR)
Upfront cash ≈ HK$799K (deposit + AVD stamp duty HK$167,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,860
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$29,634
−HK$785/mo
Today · 4.125%
HK$30,419
baseline
▲ 0.50% · 4.625%
HK$32,023
+HK$1,604/mo
Deposit HK$632K · loan HK$5.69M · min. income ≈ HK$60,838/mo (50% DSR)
Upfront cash ≈ HK$799K (deposit + AVD stamp duty HK$167,044 · 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).