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$14,429
−HK$905/mo
▼ 0.25% · 3.875%
HK$14,878
−HK$456/mo
Today · 4.125%
HK$15,334
baseline
▲ 0.50% · 4.625%
HK$16,267
+HK$933/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$30,668/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$167,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,053
−HK$867/mo
▼ 0.25% · 3.875%
HK$16,483
−HK$437/mo
Today · 4.125%
HK$16,920
baseline
▲ 0.50% · 4.625%
HK$17,812
+HK$892/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$33,840/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$167,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,315
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$17,854
−HK$547/mo
Today · 4.125%
HK$18,401
baseline
▲ 0.50% · 4.625%
HK$19,521
+HK$1,120/mo
Deposit HK$2.53M · loan HK$3.80M · min. income ≈ HK$36,802/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$167,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,263
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,780
−HK$524/mo
Today · 4.125%
HK$20,304
baseline
▲ 0.50% · 4.625%
HK$21,374
+HK$1,070/mo
Deposit HK$2.53M · loan HK$3.80M · min. income ≈ HK$40,608/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$167,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,201
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$20,830
−HK$638/mo
Today · 4.125%
HK$21,468
baseline
▲ 0.50% · 4.625%
HK$22,774
+HK$1,306/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$42,936/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$167,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,474
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$23,076
−HK$612/mo
Today · 4.125%
HK$23,688
baseline
▲ 0.50% · 4.625%
HK$24,936
+HK$1,248/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$47,376/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$167,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,973
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$26,781
−HK$821/mo
Today · 4.125%
HK$27,602
baseline
▲ 0.50% · 4.625%
HK$29,281
+HK$1,679/mo
Deposit HK$633K · loan HK$5.70M · min. income ≈ HK$55,204/mo (50% DSR)
Upfront cash ≈ HK$801K (deposit + AVD stamp duty HK$167,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,895
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$29,670
−HK$786/mo
Today · 4.125%
HK$30,456
baseline
▲ 0.50% · 4.625%
HK$32,061
+HK$1,605/mo
Deposit HK$633K · loan HK$5.70M · min. income ≈ HK$60,912/mo (50% DSR)
Upfront cash ≈ HK$801K (deposit + AVD stamp duty HK$167,797 · 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).