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$14,409
−HK$904/mo
▼ 0.25% · 3.875%
HK$14,857
−HK$456/mo
Today · 4.125%
HK$15,313
baseline
▲ 0.50% · 4.625%
HK$16,244
+HK$931/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$30,626/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$166,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,030
−HK$866/mo
▼ 0.25% · 3.875%
HK$16,460
−HK$436/mo
Today · 4.125%
HK$16,896
baseline
▲ 0.50% · 4.625%
HK$17,787
+HK$891/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$33,792/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$166,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,291
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$17,829
−HK$546/mo
Today · 4.125%
HK$18,375
baseline
▲ 0.50% · 4.625%
HK$19,493
+HK$1,118/mo
Deposit HK$2.53M · loan HK$3.79M · min. income ≈ HK$36,750/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$166,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,236
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$19,752
−HK$523/mo
Today · 4.125%
HK$20,275
baseline
▲ 0.50% · 4.625%
HK$21,344
+HK$1,069/mo
Deposit HK$2.53M · loan HK$3.79M · min. income ≈ HK$40,550/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$166,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,173
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$20,800
−HK$638/mo
Today · 4.125%
HK$21,438
baseline
▲ 0.50% · 4.625%
HK$22,742
+HK$1,304/mo
Deposit HK$1.90M · loan HK$4.42M · min. income ≈ HK$42,876/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$166,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,442
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$23,044
−HK$611/mo
Today · 4.125%
HK$23,655
baseline
▲ 0.50% · 4.625%
HK$24,901
+HK$1,246/mo
Deposit HK$1.90M · loan HK$4.42M · min. income ≈ HK$47,310/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$166,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,936
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,743
−HK$820/mo
Today · 4.125%
HK$27,563
baseline
▲ 0.50% · 4.625%
HK$29,240
+HK$1,677/mo
Deposit HK$632K · loan HK$5.69M · min. income ≈ HK$55,126/mo (50% DSR)
Upfront cash ≈ HK$799K (deposit + AVD stamp duty HK$166,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,854
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$29,628
−HK$785/mo
Today · 4.125%
HK$30,413
baseline
▲ 0.50% · 4.625%
HK$32,016
+HK$1,603/mo
Deposit HK$632K · loan HK$5.69M · min. income ≈ HK$60,826/mo (50% DSR)
Upfront cash ≈ HK$799K (deposit + AVD stamp duty HK$166,909 · 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).