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$14,411
−HK$904/mo
▼ 0.25% · 3.875%
HK$14,860
−HK$455/mo
Today · 4.125%
HK$15,315
baseline
▲ 0.50% · 4.625%
HK$16,247
+HK$932/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$30,630/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$167,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,032
−HK$867/mo
▼ 0.25% · 3.875%
HK$16,462
−HK$437/mo
Today · 4.125%
HK$16,899
baseline
▲ 0.50% · 4.625%
HK$17,789
+HK$890/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$33,798/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$167,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,294
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$17,831
−HK$547/mo
Today · 4.125%
HK$18,378
baseline
▲ 0.50% · 4.625%
HK$19,496
+HK$1,118/mo
Deposit HK$2.53M · loan HK$3.79M · min. income ≈ HK$36,756/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$167,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,239
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$19,755
−HK$523/mo
Today · 4.125%
HK$20,278
baseline
▲ 0.50% · 4.625%
HK$21,347
+HK$1,069/mo
Deposit HK$2.53M · loan HK$3.79M · min. income ≈ HK$40,556/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$167,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,176
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$20,803
−HK$638/mo
Today · 4.125%
HK$21,441
baseline
▲ 0.50% · 4.625%
HK$22,746
+HK$1,305/mo
Deposit HK$1.90M · loan HK$4.42M · min. income ≈ HK$42,882/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$167,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,445
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$23,047
−HK$611/mo
Today · 4.125%
HK$23,658
baseline
▲ 0.50% · 4.625%
HK$24,905
+HK$1,247/mo
Deposit HK$1.90M · loan HK$4.42M · min. income ≈ HK$47,316/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$167,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,940
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,747
−HK$820/mo
Today · 4.125%
HK$27,567
baseline
▲ 0.50% · 4.625%
HK$29,244
+HK$1,677/mo
Deposit HK$632K · loan HK$5.69M · min. income ≈ HK$55,134/mo (50% DSR)
Upfront cash ≈ HK$799K (deposit + AVD stamp duty HK$167,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,858
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,632
−HK$786/mo
Today · 4.125%
HK$30,418
baseline
▲ 0.50% · 4.625%
HK$32,021
+HK$1,603/mo
Deposit HK$632K · loan HK$5.69M · min. income ≈ HK$60,836/mo (50% DSR)
Upfront cash ≈ HK$799K (deposit + AVD stamp duty HK$167,004 · 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).