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$14,426
−HK$905/mo
▼ 0.25% · 3.875%
HK$14,875
−HK$456/mo
Today · 4.125%
HK$15,331
baseline
▲ 0.50% · 4.625%
HK$16,264
+HK$933/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$30,662/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$167,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,049
−HK$867/mo
▼ 0.25% · 3.875%
HK$16,479
−HK$437/mo
Today · 4.125%
HK$16,916
baseline
▲ 0.50% · 4.625%
HK$17,808
+HK$892/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$33,832/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$167,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,311
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$17,850
−HK$547/mo
Today · 4.125%
HK$18,397
baseline
▲ 0.50% · 4.625%
HK$19,516
+HK$1,119/mo
Deposit HK$2.53M · loan HK$3.80M · min. income ≈ HK$36,794/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$167,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,259
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$19,775
−HK$524/mo
Today · 4.125%
HK$20,299
baseline
▲ 0.50% · 4.625%
HK$21,369
+HK$1,070/mo
Deposit HK$2.53M · loan HK$3.80M · min. income ≈ HK$40,598/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$167,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,197
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$20,825
−HK$638/mo
Today · 4.125%
HK$21,463
baseline
▲ 0.50% · 4.625%
HK$22,769
+HK$1,306/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$42,926/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$167,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,469
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$23,071
−HK$612/mo
Today · 4.125%
HK$23,683
baseline
▲ 0.50% · 4.625%
HK$24,931
+HK$1,248/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$47,366/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$167,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,967
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$26,775
−HK$821/mo
Today · 4.125%
HK$27,596
baseline
▲ 0.50% · 4.625%
HK$29,275
+HK$1,679/mo
Deposit HK$633K · loan HK$5.69M · min. income ≈ HK$55,192/mo (50% DSR)
Upfront cash ≈ HK$800K (deposit + AVD stamp duty HK$167,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,888
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$29,663
−HK$786/mo
Today · 4.125%
HK$30,449
baseline
▲ 0.50% · 4.625%
HK$32,054
+HK$1,605/mo
Deposit HK$633K · loan HK$5.69M · min. income ≈ HK$60,898/mo (50% DSR)
Upfront cash ≈ HK$800K (deposit + AVD stamp duty HK$167,658 · 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).