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$14,408
−HK$904/mo
▼ 0.25% · 3.875%
HK$14,857
−HK$455/mo
Today · 4.125%
HK$15,312
baseline
▲ 0.50% · 4.625%
HK$16,244
+HK$932/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$30,624/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$166,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,029
−HK$866/mo
▼ 0.25% · 3.875%
HK$16,459
−HK$436/mo
Today · 4.125%
HK$16,895
baseline
▲ 0.50% · 4.625%
HK$17,786
+HK$891/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$33,790/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$166,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,290
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$17,828
−HK$546/mo
Today · 4.125%
HK$18,374
baseline
▲ 0.50% · 4.625%
HK$19,492
+HK$1,118/mo
Deposit HK$2.53M · loan HK$3.79M · min. income ≈ HK$36,748/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$166,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,235
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$19,751
−HK$523/mo
Today · 4.125%
HK$20,274
baseline
▲ 0.50% · 4.625%
HK$21,343
+HK$1,069/mo
Deposit HK$2.53M · loan HK$3.79M · min. income ≈ HK$40,548/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$166,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,172
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$20,799
−HK$638/mo
Today · 4.125%
HK$21,437
baseline
▲ 0.50% · 4.625%
HK$22,741
+HK$1,304/mo
Deposit HK$1.90M · loan HK$4.42M · min. income ≈ HK$42,874/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$166,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,441
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$23,043
−HK$610/mo
Today · 4.125%
HK$23,653
baseline
▲ 0.50% · 4.625%
HK$24,900
+HK$1,247/mo
Deposit HK$1.90M · loan HK$4.42M · min. income ≈ HK$47,306/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$166,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,935
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$26,742
−HK$819/mo
Today · 4.125%
HK$27,561
baseline
▲ 0.50% · 4.625%
HK$29,238
+HK$1,677/mo
Deposit HK$632K · loan HK$5.69M · min. income ≈ HK$55,122/mo (50% DSR)
Upfront cash ≈ HK$799K (deposit + AVD stamp duty HK$166,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,852
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$29,626
−HK$785/mo
Today · 4.125%
HK$30,411
baseline
▲ 0.50% · 4.625%
HK$32,014
+HK$1,603/mo
Deposit HK$632K · loan HK$5.69M · min. income ≈ HK$60,822/mo (50% DSR)
Upfront cash ≈ HK$799K (deposit + AVD stamp duty HK$166,873 · 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).