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$14,443
−HK$906/mo
▼ 0.25% · 3.875%
HK$14,892
−HK$457/mo
Today · 4.125%
HK$15,349
baseline
▲ 0.50% · 4.625%
HK$16,283
+HK$934/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$30,698/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$168,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,068
−HK$868/mo
▼ 0.25% · 3.875%
HK$16,498
−HK$438/mo
Today · 4.125%
HK$16,936
baseline
▲ 0.50% · 4.625%
HK$17,828
+HK$892/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$33,872/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$168,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,331
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$17,871
−HK$547/mo
Today · 4.125%
HK$18,418
baseline
▲ 0.50% · 4.625%
HK$19,539
+HK$1,121/mo
Deposit HK$2.53M · loan HK$3.80M · min. income ≈ HK$36,836/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$168,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,281
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$19,798
−HK$525/mo
Today · 4.125%
HK$20,323
baseline
▲ 0.50% · 4.625%
HK$21,394
+HK$1,071/mo
Deposit HK$2.53M · loan HK$3.80M · min. income ≈ HK$40,646/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$168,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,220
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$20,849
−HK$639/mo
Today · 4.125%
HK$21,488
baseline
▲ 0.50% · 4.625%
HK$22,796
+HK$1,308/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$42,976/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$168,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,495
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,098
−HK$612/mo
Today · 4.125%
HK$23,710
baseline
▲ 0.50% · 4.625%
HK$24,960
+HK$1,250/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$47,420/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$168,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,997
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,806
−HK$821/mo
Today · 4.125%
HK$27,627
baseline
▲ 0.50% · 4.625%
HK$29,309
+HK$1,682/mo
Deposit HK$633K · loan HK$5.70M · min. income ≈ HK$55,254/mo (50% DSR)
Upfront cash ≈ HK$802K (deposit + AVD stamp duty HK$168,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,922
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$29,697
−HK$787/mo
Today · 4.125%
HK$30,484
baseline
▲ 0.50% · 4.625%
HK$32,091
+HK$1,607/mo
Deposit HK$633K · loan HK$5.70M · min. income ≈ HK$60,968/mo (50% DSR)
Upfront cash ≈ HK$802K (deposit + AVD stamp duty HK$168,389 · 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).