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$14,420
−HK$905/mo
▼ 0.25% · 3.875%
HK$14,869
−HK$456/mo
Today · 4.125%
HK$15,325
baseline
▲ 0.50% · 4.625%
HK$16,257
+HK$932/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$30,650/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$167,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,042
−HK$867/mo
▼ 0.25% · 3.875%
HK$16,473
−HK$436/mo
Today · 4.125%
HK$16,909
baseline
▲ 0.50% · 4.625%
HK$17,800
+HK$891/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$33,818/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$167,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,304
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$17,843
−HK$547/mo
Today · 4.125%
HK$18,390
baseline
▲ 0.50% · 4.625%
HK$19,508
+HK$1,118/mo
Deposit HK$2.53M · loan HK$3.79M · min. income ≈ HK$36,780/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$167,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,251
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$19,767
−HK$524/mo
Today · 4.125%
HK$20,291
baseline
▲ 0.50% · 4.625%
HK$21,361
+HK$1,070/mo
Deposit HK$2.53M · loan HK$3.79M · min. income ≈ HK$40,582/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$167,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,188
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$20,816
−HK$638/mo
Today · 4.125%
HK$21,454
baseline
▲ 0.50% · 4.625%
HK$22,760
+HK$1,306/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$42,908/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$167,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,459
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$23,062
−HK$611/mo
Today · 4.125%
HK$23,673
baseline
▲ 0.50% · 4.625%
HK$24,921
+HK$1,248/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$47,346/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$167,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,957
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,764
−HK$820/mo
Today · 4.125%
HK$27,584
baseline
▲ 0.50% · 4.625%
HK$29,263
+HK$1,679/mo
Deposit HK$632K · loan HK$5.69M · min. income ≈ HK$55,168/mo (50% DSR)
Upfront cash ≈ HK$800K (deposit + AVD stamp duty HK$167,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,876
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$29,651
−HK$786/mo
Today · 4.125%
HK$30,437
baseline
▲ 0.50% · 4.625%
HK$32,041
+HK$1,604/mo
Deposit HK$632K · loan HK$5.69M · min. income ≈ HK$60,874/mo (50% DSR)
Upfront cash ≈ HK$800K (deposit + AVD stamp duty HK$167,399 · 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).