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$14,432
−HK$905/mo
▼ 0.25% · 3.875%
HK$14,880
−HK$457/mo
Today · 4.125%
HK$15,337
baseline
▲ 0.50% · 4.625%
HK$16,270
+HK$933/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$30,674/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$167,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,055
−HK$867/mo
▼ 0.25% · 3.875%
HK$16,486
−HK$436/mo
Today · 4.125%
HK$16,922
baseline
▲ 0.50% · 4.625%
HK$17,814
+HK$892/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$33,844/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$167,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,318
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$17,857
−HK$547/mo
Today · 4.125%
HK$18,404
baseline
▲ 0.50% · 4.625%
HK$19,524
+HK$1,120/mo
Deposit HK$2.53M · loan HK$3.80M · min. income ≈ HK$36,808/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$167,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,266
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,783
−HK$524/mo
Today · 4.125%
HK$20,307
baseline
▲ 0.50% · 4.625%
HK$21,377
+HK$1,070/mo
Deposit HK$2.53M · loan HK$3.80M · min. income ≈ HK$40,614/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$167,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,204
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$20,833
−HK$638/mo
Today · 4.125%
HK$21,471
baseline
▲ 0.50% · 4.625%
HK$22,778
+HK$1,307/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$42,942/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$167,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,477
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$23,080
−HK$611/mo
Today · 4.125%
HK$23,691
baseline
▲ 0.50% · 4.625%
HK$24,940
+HK$1,249/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$47,382/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$167,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,977
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$26,785
−HK$821/mo
Today · 4.125%
HK$27,606
baseline
▲ 0.50% · 4.625%
HK$29,285
+HK$1,679/mo
Deposit HK$633K · loan HK$5.70M · min. income ≈ HK$55,212/mo (50% DSR)
Upfront cash ≈ HK$801K (deposit + AVD stamp duty HK$167,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,899
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$29,674
−HK$786/mo
Today · 4.125%
HK$30,460
baseline
▲ 0.50% · 4.625%
HK$32,066
+HK$1,606/mo
Deposit HK$633K · loan HK$5.70M · min. income ≈ HK$60,920/mo (50% DSR)
Upfront cash ≈ HK$801K (deposit + AVD stamp duty HK$167,891 · 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).