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$14,408
−HK$903/mo
▼ 0.25% · 3.875%
HK$14,856
−HK$455/mo
Today · 4.125%
HK$15,311
baseline
▲ 0.50% · 4.625%
HK$16,243
+HK$932/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$30,622/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$166,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,029
−HK$866/mo
▼ 0.25% · 3.875%
HK$16,459
−HK$436/mo
Today · 4.125%
HK$16,895
baseline
▲ 0.50% · 4.625%
HK$17,785
+HK$890/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$33,790/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$166,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,289
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$17,827
−HK$547/mo
Today · 4.125%
HK$18,374
baseline
▲ 0.50% · 4.625%
HK$19,492
+HK$1,118/mo
Deposit HK$2.53M · loan HK$3.79M · min. income ≈ HK$36,748/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$166,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,234
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$19,750
−HK$524/mo
Today · 4.125%
HK$20,274
baseline
▲ 0.50% · 4.625%
HK$21,342
+HK$1,068/mo
Deposit HK$2.53M · loan HK$3.79M · min. income ≈ HK$40,548/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$166,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,171
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$20,799
−HK$637/mo
Today · 4.125%
HK$21,436
baseline
▲ 0.50% · 4.625%
HK$22,740
+HK$1,304/mo
Deposit HK$1.90M · loan HK$4.42M · min. income ≈ HK$42,872/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$166,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,440
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$23,042
−HK$610/mo
Today · 4.125%
HK$23,652
baseline
▲ 0.50% · 4.625%
HK$24,899
+HK$1,247/mo
Deposit HK$1.90M · loan HK$4.42M · min. income ≈ HK$47,304/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$166,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,934
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,741
−HK$820/mo
Today · 4.125%
HK$27,561
baseline
▲ 0.50% · 4.625%
HK$29,238
+HK$1,677/mo
Deposit HK$632K · loan HK$5.69M · min. income ≈ HK$55,122/mo (50% DSR)
Upfront cash ≈ HK$799K (deposit + AVD stamp duty HK$166,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,852
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$29,625
−HK$785/mo
Today · 4.125%
HK$30,410
baseline
▲ 0.50% · 4.625%
HK$32,013
+HK$1,603/mo
Deposit HK$632K · loan HK$5.69M · min. income ≈ HK$60,820/mo (50% DSR)
Upfront cash ≈ HK$799K (deposit + AVD stamp duty HK$166,855 · 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).