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$14,438
−HK$905/mo
▼ 0.25% · 3.875%
HK$14,887
−HK$456/mo
Today · 4.125%
HK$15,343
baseline
▲ 0.50% · 4.625%
HK$16,277
+HK$934/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$30,686/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$168,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,062
−HK$867/mo
▼ 0.25% · 3.875%
HK$16,492
−HK$437/mo
Today · 4.125%
HK$16,929
baseline
▲ 0.50% · 4.625%
HK$17,822
+HK$893/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$33,858/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$168,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,325
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$17,864
−HK$548/mo
Today · 4.125%
HK$18,412
baseline
▲ 0.50% · 4.625%
HK$19,532
+HK$1,120/mo
Deposit HK$2.53M · loan HK$3.80M · min. income ≈ HK$36,824/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$168,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,274
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,791
−HK$524/mo
Today · 4.125%
HK$20,315
baseline
▲ 0.50% · 4.625%
HK$21,386
+HK$1,071/mo
Deposit HK$2.53M · loan HK$3.80M · min. income ≈ HK$40,630/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$168,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,213
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$20,841
−HK$639/mo
Today · 4.125%
HK$21,480
baseline
▲ 0.50% · 4.625%
HK$22,787
+HK$1,307/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$42,960/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$168,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,486
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,089
−HK$612/mo
Today · 4.125%
HK$23,701
baseline
▲ 0.50% · 4.625%
HK$24,951
+HK$1,250/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$47,402/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$168,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,988
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$26,796
−HK$821/mo
Today · 4.125%
HK$27,617
baseline
▲ 0.50% · 4.625%
HK$29,298
+HK$1,681/mo
Deposit HK$633K · loan HK$5.70M · min. income ≈ HK$55,234/mo (50% DSR)
Upfront cash ≈ HK$801K (deposit + AVD stamp duty HK$168,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,911
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$29,686
−HK$787/mo
Today · 4.125%
HK$30,473
baseline
▲ 0.50% · 4.625%
HK$32,079
+HK$1,606/mo
Deposit HK$633K · loan HK$5.70M · min. income ≈ HK$60,946/mo (50% DSR)
Upfront cash ≈ HK$801K (deposit + AVD stamp duty HK$168,158 · 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).