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$14,428
−HK$905/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$167,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,051
−HK$867/mo
▼ 0.25% · 3.875%
HK$16,482
−HK$436/mo
Today · 4.125%
HK$16,918
baseline
▲ 0.50% · 4.625%
HK$17,810
+HK$892/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$33,836/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$167,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,314
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$17,852
−HK$547/mo
Today · 4.125%
HK$18,399
baseline
▲ 0.50% · 4.625%
HK$19,519
+HK$1,120/mo
Deposit HK$2.53M · loan HK$3.80M · min. income ≈ HK$36,798/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$167,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,261
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,778
−HK$524/mo
Today · 4.125%
HK$20,302
baseline
▲ 0.50% · 4.625%
HK$21,372
+HK$1,070/mo
Deposit HK$2.53M · loan HK$3.80M · min. income ≈ HK$40,604/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$167,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,199
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$20,828
−HK$638/mo
Today · 4.125%
HK$21,466
baseline
▲ 0.50% · 4.625%
HK$22,772
+HK$1,306/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$42,932/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$167,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,472
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$23,074
−HK$612/mo
Today · 4.125%
HK$23,686
baseline
▲ 0.50% · 4.625%
HK$24,934
+HK$1,248/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$47,372/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$167,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,971
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$26,778
−HK$821/mo
Today · 4.125%
HK$27,599
baseline
▲ 0.50% · 4.625%
HK$29,279
+HK$1,680/mo
Deposit HK$633K · loan HK$5.69M · min. income ≈ HK$55,198/mo (50% DSR)
Upfront cash ≈ HK$800K (deposit + AVD stamp duty HK$167,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,892
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$29,667
−HK$786/mo
Today · 4.125%
HK$30,453
baseline
▲ 0.50% · 4.625%
HK$32,058
+HK$1,605/mo
Deposit HK$633K · loan HK$5.69M · min. income ≈ HK$60,906/mo (50% DSR)
Upfront cash ≈ HK$800K (deposit + AVD stamp duty HK$167,742 · 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).