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$14,449
−HK$906/mo
▼ 0.25% · 3.875%
HK$14,899
−HK$456/mo
Today · 4.125%
HK$15,355
baseline
▲ 0.50% · 4.625%
HK$16,290
+HK$935/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$30,710/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$168,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,075
−HK$868/mo
▼ 0.25% · 3.875%
HK$16,506
−HK$437/mo
Today · 4.125%
HK$16,943
baseline
▲ 0.50% · 4.625%
HK$17,836
+HK$893/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$33,886/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$168,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,339
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$17,878
−HK$548/mo
Today · 4.125%
HK$18,426
baseline
▲ 0.50% · 4.625%
HK$19,548
+HK$1,122/mo
Deposit HK$2.53M · loan HK$3.80M · min. income ≈ HK$36,852/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$168,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,290
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$19,807
−HK$525/mo
Today · 4.125%
HK$20,332
baseline
▲ 0.50% · 4.625%
HK$21,403
+HK$1,071/mo
Deposit HK$2.53M · loan HK$3.80M · min. income ≈ HK$40,664/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$168,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,229
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$20,858
−HK$640/mo
Today · 4.125%
HK$21,498
baseline
▲ 0.50% · 4.625%
HK$22,806
+HK$1,308/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$42,996/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$168,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,505
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,108
−HK$612/mo
Today · 4.125%
HK$23,720
baseline
▲ 0.50% · 4.625%
HK$24,971
+HK$1,251/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$47,440/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$168,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,009
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$26,818
−HK$822/mo
Today · 4.125%
HK$27,640
baseline
▲ 0.50% · 4.625%
HK$29,321
+HK$1,681/mo
Deposit HK$634K · loan HK$5.70M · min. income ≈ HK$55,280/mo (50% DSR)
Upfront cash ≈ HK$802K (deposit + AVD stamp duty HK$168,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,934
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$29,710
−HK$788/mo
Today · 4.125%
HK$30,498
baseline
▲ 0.50% · 4.625%
HK$32,105
+HK$1,607/mo
Deposit HK$634K · loan HK$5.70M · min. income ≈ HK$60,996/mo (50% DSR)
Upfront cash ≈ HK$802K (deposit + AVD stamp duty HK$168,669 · 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).