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$14,439
−HK$906/mo
▼ 0.25% · 3.875%
HK$14,889
−HK$456/mo
Today · 4.125%
HK$15,345
baseline
▲ 0.50% · 4.625%
HK$16,279
+HK$934/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$30,690/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$168,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,064
−HK$868/mo
▼ 0.25% · 3.875%
HK$16,495
−HK$437/mo
Today · 4.125%
HK$16,932
baseline
▲ 0.50% · 4.625%
HK$17,824
+HK$892/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$33,864/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$168,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,327
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$17,866
−HK$548/mo
Today · 4.125%
HK$18,414
baseline
▲ 0.50% · 4.625%
HK$19,534
+HK$1,120/mo
Deposit HK$2.53M · loan HK$3.80M · min. income ≈ HK$36,828/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$168,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,276
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$19,793
−HK$525/mo
Today · 4.125%
HK$20,318
baseline
▲ 0.50% · 4.625%
HK$21,389
+HK$1,071/mo
Deposit HK$2.53M · loan HK$3.80M · min. income ≈ HK$40,636/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$168,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,215
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$20,844
−HK$639/mo
Today · 4.125%
HK$21,483
baseline
▲ 0.50% · 4.625%
HK$22,790
+HK$1,307/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$42,966/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$168,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,489
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,092
−HK$612/mo
Today · 4.125%
HK$23,704
baseline
▲ 0.50% · 4.625%
HK$24,954
+HK$1,250/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$47,408/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$168,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,991
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,799
−HK$822/mo
Today · 4.125%
HK$27,621
baseline
▲ 0.50% · 4.625%
HK$29,301
+HK$1,680/mo
Deposit HK$633K · loan HK$5.70M · min. income ≈ HK$55,242/mo (50% DSR)
Upfront cash ≈ HK$801K (deposit + AVD stamp duty HK$168,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,915
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$29,690
−HK$787/mo
Today · 4.125%
HK$30,477
baseline
▲ 0.50% · 4.625%
HK$32,083
+HK$1,606/mo
Deposit HK$633K · loan HK$5.70M · min. income ≈ HK$60,954/mo (50% DSR)
Upfront cash ≈ HK$801K (deposit + AVD stamp duty HK$168,237 · 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).