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$14,447
−HK$906/mo
▼ 0.25% · 3.875%
HK$14,896
−HK$457/mo
Today · 4.125%
HK$15,353
baseline
▲ 0.50% · 4.625%
HK$16,287
+HK$934/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$30,706/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$168,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,072
−HK$868/mo
▼ 0.25% · 3.875%
HK$16,503
−HK$437/mo
Today · 4.125%
HK$16,940
baseline
▲ 0.50% · 4.625%
HK$17,833
+HK$893/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$33,880/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$168,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,336
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$17,876
−HK$547/mo
Today · 4.125%
HK$18,423
baseline
▲ 0.50% · 4.625%
HK$19,545
+HK$1,122/mo
Deposit HK$2.53M · loan HK$3.80M · min. income ≈ HK$36,846/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$168,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,287
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$19,804
−HK$525/mo
Today · 4.125%
HK$20,329
baseline
▲ 0.50% · 4.625%
HK$21,400
+HK$1,071/mo
Deposit HK$2.53M · loan HK$3.80M · min. income ≈ HK$40,658/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$168,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,226
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$20,855
−HK$639/mo
Today · 4.125%
HK$21,494
baseline
▲ 0.50% · 4.625%
HK$22,802
+HK$1,308/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$42,988/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$168,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,501
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$23,104
−HK$613/mo
Today · 4.125%
HK$23,717
baseline
▲ 0.50% · 4.625%
HK$24,967
+HK$1,250/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$47,434/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$168,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,005
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,813
−HK$822/mo
Today · 4.125%
HK$27,635
baseline
▲ 0.50% · 4.625%
HK$29,317
+HK$1,682/mo
Deposit HK$634K · loan HK$5.70M · min. income ≈ HK$55,270/mo (50% DSR)
Upfront cash ≈ HK$802K (deposit + AVD stamp duty HK$168,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,930
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$29,706
−HK$787/mo
Today · 4.125%
HK$30,493
baseline
▲ 0.50% · 4.625%
HK$32,100
+HK$1,607/mo
Deposit HK$634K · loan HK$5.70M · min. income ≈ HK$60,986/mo (50% DSR)
Upfront cash ≈ HK$802K (deposit + AVD stamp duty HK$168,568 · 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).