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$14,405
−HK$904/mo
▼ 0.25% · 3.875%
HK$14,853
−HK$456/mo
Today · 4.125%
HK$15,309
baseline
▲ 0.50% · 4.625%
HK$16,240
+HK$931/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$30,618/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$166,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,026
−HK$866/mo
▼ 0.25% · 3.875%
HK$16,456
−HK$436/mo
Today · 4.125%
HK$16,892
baseline
▲ 0.50% · 4.625%
HK$17,782
+HK$890/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$33,784/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$166,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,286
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$17,824
−HK$546/mo
Today · 4.125%
HK$18,370
baseline
▲ 0.50% · 4.625%
HK$19,488
+HK$1,118/mo
Deposit HK$2.53M · loan HK$3.79M · min. income ≈ HK$36,740/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$166,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,231
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$19,747
−HK$523/mo
Today · 4.125%
HK$20,270
baseline
▲ 0.50% · 4.625%
HK$21,338
+HK$1,068/mo
Deposit HK$2.53M · loan HK$3.79M · min. income ≈ HK$40,540/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$166,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,167
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$20,795
−HK$637/mo
Today · 4.125%
HK$21,432
baseline
▲ 0.50% · 4.625%
HK$22,736
+HK$1,304/mo
Deposit HK$1.90M · loan HK$4.42M · min. income ≈ HK$42,864/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$166,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,436
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$23,038
−HK$610/mo
Today · 4.125%
HK$23,648
baseline
▲ 0.50% · 4.625%
HK$24,895
+HK$1,247/mo
Deposit HK$1.90M · loan HK$4.42M · min. income ≈ HK$47,296/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$166,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,930
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$26,736
−HK$820/mo
Today · 4.125%
HK$27,556
baseline
▲ 0.50% · 4.625%
HK$29,232
+HK$1,676/mo
Deposit HK$632K · loan HK$5.69M · min. income ≈ HK$55,112/mo (50% DSR)
Upfront cash ≈ HK$798K (deposit + AVD stamp duty HK$166,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,846
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$29,620
−HK$785/mo
Today · 4.125%
HK$30,405
baseline
▲ 0.50% · 4.625%
HK$32,008
+HK$1,603/mo
Deposit HK$632K · loan HK$5.69M · min. income ≈ HK$60,810/mo (50% DSR)
Upfront cash ≈ HK$798K (deposit + AVD stamp duty HK$166,742 · 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).