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$14,419
−HK$904/mo
▼ 0.25% · 3.875%
HK$14,868
−HK$455/mo
Today · 4.125%
HK$15,323
baseline
▲ 0.50% · 4.625%
HK$16,256
+HK$933/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$30,646/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$167,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,041
−HK$867/mo
▼ 0.25% · 3.875%
HK$16,471
−HK$437/mo
Today · 4.125%
HK$16,908
baseline
▲ 0.50% · 4.625%
HK$17,799
+HK$891/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$33,816/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$167,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,303
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$17,841
−HK$547/mo
Today · 4.125%
HK$18,388
baseline
▲ 0.50% · 4.625%
HK$19,507
+HK$1,119/mo
Deposit HK$2.53M · loan HK$3.79M · min. income ≈ HK$36,776/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$167,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,250
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$19,766
−HK$524/mo
Today · 4.125%
HK$20,290
baseline
▲ 0.50% · 4.625%
HK$21,359
+HK$1,069/mo
Deposit HK$2.53M · loan HK$3.79M · min. income ≈ HK$40,580/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$167,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,187
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$20,815
−HK$638/mo
Today · 4.125%
HK$21,453
baseline
▲ 0.50% · 4.625%
HK$22,758
+HK$1,305/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$42,906/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$167,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,458
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$23,060
−HK$611/mo
Today · 4.125%
HK$23,671
baseline
▲ 0.50% · 4.625%
HK$24,919
+HK$1,248/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$47,342/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$167,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,955
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,762
−HK$820/mo
Today · 4.125%
HK$27,582
baseline
▲ 0.50% · 4.625%
HK$29,261
+HK$1,679/mo
Deposit HK$632K · loan HK$5.69M · min. income ≈ HK$55,164/mo (50% DSR)
Upfront cash ≈ HK$800K (deposit + AVD stamp duty HK$167,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,874
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,649
−HK$785/mo
Today · 4.125%
HK$30,434
baseline
▲ 0.50% · 4.625%
HK$32,039
+HK$1,605/mo
Deposit HK$632K · loan HK$5.69M · min. income ≈ HK$60,868/mo (50% DSR)
Upfront cash ≈ HK$800K (deposit + AVD stamp duty HK$167,352 · 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).