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$14,446
−HK$906/mo
▼ 0.25% · 3.875%
HK$14,896
−HK$456/mo
Today · 4.125%
HK$15,352
baseline
▲ 0.50% · 4.625%
HK$16,287
+HK$935/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$30,704/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$168,547 · 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$168,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,336
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$17,875
−HK$548/mo
Today · 4.125%
HK$18,423
baseline
▲ 0.50% · 4.625%
HK$19,544
+HK$1,121/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$168,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,286
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$19,803
−HK$525/mo
Today · 4.125%
HK$20,328
baseline
▲ 0.50% · 4.625%
HK$21,399
+HK$1,071/mo
Deposit HK$2.53M · loan HK$3.80M · min. income ≈ HK$40,656/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$168,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,225
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$20,854
−HK$639/mo
Today · 4.125%
HK$21,493
baseline
▲ 0.50% · 4.625%
HK$22,801
+HK$1,308/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$42,986/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$168,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,500
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$23,104
−HK$612/mo
Today · 4.125%
HK$23,716
baseline
▲ 0.50% · 4.625%
HK$24,966
+HK$1,250/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$47,432/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$168,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,004
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,813
−HK$821/mo
Today · 4.125%
HK$27,634
baseline
▲ 0.50% · 4.625%
HK$29,316
+HK$1,682/mo
Deposit HK$634K · loan HK$5.70M · min. income ≈ HK$55,268/mo (50% DSR)
Upfront cash ≈ HK$802K (deposit + AVD stamp duty HK$168,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,929
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$29,705
−HK$787/mo
Today · 4.125%
HK$30,492
baseline
▲ 0.50% · 4.625%
HK$32,099
+HK$1,607/mo
Deposit HK$634K · loan HK$5.70M · min. income ≈ HK$60,984/mo (50% DSR)
Upfront cash ≈ HK$802K (deposit + AVD stamp duty HK$168,547 · 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).