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$14,450
−HK$906/mo
▼ 0.25% · 3.875%
HK$14,900
−HK$456/mo
Today · 4.125%
HK$15,356
baseline
▲ 0.50% · 4.625%
HK$16,291
+HK$935/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$30,712/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$168,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,076
−HK$868/mo
▼ 0.25% · 3.875%
HK$16,507
−HK$437/mo
Today · 4.125%
HK$16,944
baseline
▲ 0.50% · 4.625%
HK$17,837
+HK$893/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$33,888/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$168,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,340
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$17,879
−HK$548/mo
Today · 4.125%
HK$18,427
baseline
▲ 0.50% · 4.625%
HK$19,549
+HK$1,122/mo
Deposit HK$2.53M · loan HK$3.80M · min. income ≈ HK$36,854/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$168,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,291
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$19,808
−HK$525/mo
Today · 4.125%
HK$20,333
baseline
▲ 0.50% · 4.625%
HK$21,405
+HK$1,072/mo
Deposit HK$2.53M · loan HK$3.80M · min. income ≈ HK$40,666/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$168,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,230
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$20,859
−HK$640/mo
Today · 4.125%
HK$21,499
baseline
▲ 0.50% · 4.625%
HK$22,807
+HK$1,308/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$42,998/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$168,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,506
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$23,109
−HK$613/mo
Today · 4.125%
HK$23,722
baseline
▲ 0.50% · 4.625%
HK$24,972
+HK$1,250/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$47,444/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$168,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,010
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$26,819
−HK$822/mo
Today · 4.125%
HK$27,641
baseline
▲ 0.50% · 4.625%
HK$29,323
+HK$1,682/mo
Deposit HK$634K · loan HK$5.70M · min. income ≈ HK$55,282/mo (50% DSR)
Upfront cash ≈ HK$802K (deposit + AVD stamp duty HK$168,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,936
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$29,712
−HK$787/mo
Today · 4.125%
HK$30,499
baseline
▲ 0.50% · 4.625%
HK$32,107
+HK$1,608/mo
Deposit HK$634K · loan HK$5.70M · min. income ≈ HK$60,998/mo (50% DSR)
Upfront cash ≈ HK$802K (deposit + AVD stamp duty HK$168,704 · 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).