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$14,425
−HK$905/mo
▼ 0.25% · 3.875%
HK$14,874
−HK$456/mo
Today · 4.125%
HK$15,330
baseline
▲ 0.50% · 4.625%
HK$16,263
+HK$933/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$30,660/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$167,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,048
−HK$867/mo
▼ 0.25% · 3.875%
HK$16,479
−HK$436/mo
Today · 4.125%
HK$16,915
baseline
▲ 0.50% · 4.625%
HK$17,807
+HK$892/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$33,830/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$167,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,310
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$17,849
−HK$547/mo
Today · 4.125%
HK$18,396
baseline
▲ 0.50% · 4.625%
HK$19,515
+HK$1,119/mo
Deposit HK$2.53M · loan HK$3.80M · min. income ≈ HK$36,792/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$167,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,258
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$19,774
−HK$524/mo
Today · 4.125%
HK$20,298
baseline
▲ 0.50% · 4.625%
HK$21,368
+HK$1,070/mo
Deposit HK$2.53M · loan HK$3.80M · min. income ≈ HK$40,596/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$167,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,196
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$20,824
−HK$638/mo
Today · 4.125%
HK$21,462
baseline
▲ 0.50% · 4.625%
HK$22,768
+HK$1,306/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$42,924/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$167,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,467
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$23,070
−HK$611/mo
Today · 4.125%
HK$23,681
baseline
▲ 0.50% · 4.625%
HK$24,929
+HK$1,248/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$47,362/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$167,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,966
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$26,773
−HK$821/mo
Today · 4.125%
HK$27,594
baseline
▲ 0.50% · 4.625%
HK$29,273
+HK$1,679/mo
Deposit HK$633K · loan HK$5.69M · min. income ≈ HK$55,188/mo (50% DSR)
Upfront cash ≈ HK$800K (deposit + AVD stamp duty HK$167,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,887
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,661
−HK$786/mo
Today · 4.125%
HK$30,447
baseline
▲ 0.50% · 4.625%
HK$32,052
+HK$1,605/mo
Deposit HK$633K · loan HK$5.69M · min. income ≈ HK$60,894/mo (50% DSR)
Upfront cash ≈ HK$800K (deposit + AVD stamp duty HK$167,623 · 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).