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$14,433
−HK$905/mo
▼ 0.25% · 3.875%
HK$14,882
−HK$456/mo
Today · 4.125%
HK$15,338
baseline
▲ 0.50% · 4.625%
HK$16,271
+HK$933/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$30,676/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$167,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,056
−HK$868/mo
▼ 0.25% · 3.875%
HK$16,487
−HK$437/mo
Today · 4.125%
HK$16,924
baseline
▲ 0.50% · 4.625%
HK$17,816
+HK$892/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$33,848/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$167,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,319
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$17,858
−HK$547/mo
Today · 4.125%
HK$18,405
baseline
▲ 0.50% · 4.625%
HK$19,525
+HK$1,120/mo
Deposit HK$2.53M · loan HK$3.80M · min. income ≈ HK$36,810/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$167,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,268
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,784
−HK$525/mo
Today · 4.125%
HK$20,309
baseline
▲ 0.50% · 4.625%
HK$21,379
+HK$1,070/mo
Deposit HK$2.53M · loan HK$3.80M · min. income ≈ HK$40,618/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$167,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,206
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$20,834
−HK$639/mo
Today · 4.125%
HK$21,473
baseline
▲ 0.50% · 4.625%
HK$22,780
+HK$1,307/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$42,946/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$167,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,479
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$23,082
−HK$611/mo
Today · 4.125%
HK$23,693
baseline
▲ 0.50% · 4.625%
HK$24,942
+HK$1,249/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$47,386/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$167,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,979
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$26,787
−HK$821/mo
Today · 4.125%
HK$27,608
baseline
▲ 0.50% · 4.625%
HK$29,288
+HK$1,680/mo
Deposit HK$633K · loan HK$5.70M · min. income ≈ HK$55,216/mo (50% DSR)
Upfront cash ≈ HK$801K (deposit + AVD stamp duty HK$167,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,901
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$29,677
−HK$786/mo
Today · 4.125%
HK$30,463
baseline
▲ 0.50% · 4.625%
HK$32,069
+HK$1,606/mo
Deposit HK$633K · loan HK$5.70M · min. income ≈ HK$60,926/mo (50% DSR)
Upfront cash ≈ HK$801K (deposit + AVD stamp duty HK$167,947 · 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).