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$14,446
−HK$906/mo
▼ 0.25% · 3.875%
HK$14,895
−HK$457/mo
Today · 4.125%
HK$15,352
baseline
▲ 0.50% · 4.625%
HK$16,286
+HK$934/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$30,704/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$168,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,071
−HK$868/mo
▼ 0.25% · 3.875%
HK$16,502
−HK$437/mo
Today · 4.125%
HK$16,939
baseline
▲ 0.50% · 4.625%
HK$17,832
+HK$893/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$33,878/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$168,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,335
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$17,874
−HK$548/mo
Today · 4.125%
HK$18,422
baseline
▲ 0.50% · 4.625%
HK$19,543
+HK$1,121/mo
Deposit HK$2.53M · loan HK$3.80M · min. income ≈ HK$36,844/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$168,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,285
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$19,802
−HK$525/mo
Today · 4.125%
HK$20,327
baseline
▲ 0.50% · 4.625%
HK$21,398
+HK$1,071/mo
Deposit HK$2.53M · loan HK$3.80M · min. income ≈ HK$40,654/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$168,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,224
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$20,853
−HK$639/mo
Today · 4.125%
HK$21,492
baseline
▲ 0.50% · 4.625%
HK$22,800
+HK$1,308/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$42,984/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$168,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,499
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$23,103
−HK$612/mo
Today · 4.125%
HK$23,715
baseline
▲ 0.50% · 4.625%
HK$24,965
+HK$1,250/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$47,430/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$168,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,003
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,811
−HK$822/mo
Today · 4.125%
HK$27,633
baseline
▲ 0.50% · 4.625%
HK$29,315
+HK$1,682/mo
Deposit HK$634K · loan HK$5.70M · min. income ≈ HK$55,266/mo (50% DSR)
Upfront cash ≈ HK$802K (deposit + AVD stamp duty HK$168,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,928
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$29,703
−HK$787/mo
Today · 4.125%
HK$30,490
baseline
▲ 0.50% · 4.625%
HK$32,098
+HK$1,608/mo
Deposit HK$634K · loan HK$5.70M · min. income ≈ HK$60,980/mo (50% DSR)
Upfront cash ≈ HK$802K (deposit + AVD stamp duty HK$168,519 · 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).