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$14,413
−HK$904/mo
▼ 0.25% · 3.875%
HK$14,861
−HK$456/mo
Today · 4.125%
HK$15,317
baseline
▲ 0.50% · 4.625%
HK$16,249
+HK$932/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$30,634/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$167,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,034
−HK$867/mo
▼ 0.25% · 3.875%
HK$16,465
−HK$436/mo
Today · 4.125%
HK$16,901
baseline
▲ 0.50% · 4.625%
HK$17,792
+HK$891/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$33,802/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$167,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,296
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$17,834
−HK$546/mo
Today · 4.125%
HK$18,380
baseline
▲ 0.50% · 4.625%
HK$19,499
+HK$1,119/mo
Deposit HK$2.53M · loan HK$3.79M · min. income ≈ HK$36,760/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$167,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,241
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$19,757
−HK$524/mo
Today · 4.125%
HK$20,281
baseline
▲ 0.50% · 4.625%
HK$21,350
+HK$1,069/mo
Deposit HK$2.53M · loan HK$3.79M · min. income ≈ HK$40,562/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$167,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,178
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$20,806
−HK$638/mo
Today · 4.125%
HK$21,444
baseline
▲ 0.50% · 4.625%
HK$22,749
+HK$1,305/mo
Deposit HK$1.90M · loan HK$4.42M · min. income ≈ HK$42,888/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$167,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,448
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$23,050
−HK$611/mo
Today · 4.125%
HK$23,661
baseline
▲ 0.50% · 4.625%
HK$24,908
+HK$1,247/mo
Deposit HK$1.90M · loan HK$4.42M · min. income ≈ HK$47,322/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$167,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,944
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,751
−HK$820/mo
Today · 4.125%
HK$27,571
baseline
▲ 0.50% · 4.625%
HK$29,248
+HK$1,677/mo
Deposit HK$632K · loan HK$5.69M · min. income ≈ HK$55,142/mo (50% DSR)
Upfront cash ≈ HK$799K (deposit + AVD stamp duty HK$167,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,862
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$29,636
−HK$785/mo
Today · 4.125%
HK$30,421
baseline
▲ 0.50% · 4.625%
HK$32,025
+HK$1,604/mo
Deposit HK$632K · loan HK$5.69M · min. income ≈ HK$60,842/mo (50% DSR)
Upfront cash ≈ HK$799K (deposit + AVD stamp duty HK$167,085 · 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).