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$14,429
−HK$904/mo
▼ 0.25% · 3.875%
HK$14,877
−HK$456/mo
Today · 4.125%
HK$15,333
baseline
▲ 0.50% · 4.625%
HK$16,266
+HK$933/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$30,666/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$167,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,052
−HK$867/mo
▼ 0.25% · 3.875%
HK$16,482
−HK$437/mo
Today · 4.125%
HK$16,919
baseline
▲ 0.50% · 4.625%
HK$17,811
+HK$892/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$33,838/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$167,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,314
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$17,853
−HK$547/mo
Today · 4.125%
HK$18,400
baseline
▲ 0.50% · 4.625%
HK$19,520
+HK$1,120/mo
Deposit HK$2.53M · loan HK$3.80M · min. income ≈ HK$36,800/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$167,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,262
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,779
−HK$524/mo
Today · 4.125%
HK$20,303
baseline
▲ 0.50% · 4.625%
HK$21,373
+HK$1,070/mo
Deposit HK$2.53M · loan HK$3.80M · min. income ≈ HK$40,606/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$167,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,200
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$20,828
−HK$639/mo
Today · 4.125%
HK$21,467
baseline
▲ 0.50% · 4.625%
HK$22,773
+HK$1,306/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$42,934/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$167,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,472
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,075
−HK$612/mo
Today · 4.125%
HK$23,687
baseline
▲ 0.50% · 4.625%
HK$24,935
+HK$1,248/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$47,374/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$167,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,972
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$26,779
−HK$821/mo
Today · 4.125%
HK$27,600
baseline
▲ 0.50% · 4.625%
HK$29,280
+HK$1,680/mo
Deposit HK$633K · loan HK$5.69M · min. income ≈ HK$55,200/mo (50% DSR)
Upfront cash ≈ HK$801K (deposit + AVD stamp duty HK$167,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,893
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$29,668
−HK$786/mo
Today · 4.125%
HK$30,454
baseline
▲ 0.50% · 4.625%
HK$32,059
+HK$1,605/mo
Deposit HK$633K · loan HK$5.69M · min. income ≈ HK$60,908/mo (50% DSR)
Upfront cash ≈ HK$801K (deposit + AVD stamp duty HK$167,766 · 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).