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$14,422
−HK$904/mo
▼ 0.25% · 3.875%
HK$14,870
−HK$456/mo
Today · 4.125%
HK$15,326
baseline
▲ 0.50% · 4.625%
HK$16,259
+HK$933/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$30,652/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$167,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,044
−HK$867/mo
▼ 0.25% · 3.875%
HK$16,474
−HK$437/mo
Today · 4.125%
HK$16,911
baseline
▲ 0.50% · 4.625%
HK$17,802
+HK$891/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$33,822/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$167,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,306
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$17,844
−HK$547/mo
Today · 4.125%
HK$18,391
baseline
▲ 0.50% · 4.625%
HK$19,510
+HK$1,119/mo
Deposit HK$2.53M · loan HK$3.79M · min. income ≈ HK$36,782/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$167,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,253
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$19,769
−HK$524/mo
Today · 4.125%
HK$20,293
baseline
▲ 0.50% · 4.625%
HK$21,363
+HK$1,070/mo
Deposit HK$2.53M · loan HK$3.79M · min. income ≈ HK$40,586/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$167,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,190
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$20,818
−HK$639/mo
Today · 4.125%
HK$21,457
baseline
▲ 0.50% · 4.625%
HK$22,762
+HK$1,305/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$42,914/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$167,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,462
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$23,064
−HK$611/mo
Today · 4.125%
HK$23,675
baseline
▲ 0.50% · 4.625%
HK$24,923
+HK$1,248/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$47,350/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$167,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,959
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$26,767
−HK$820/mo
Today · 4.125%
HK$27,587
baseline
▲ 0.50% · 4.625%
HK$29,266
+HK$1,679/mo
Deposit HK$632K · loan HK$5.69M · min. income ≈ HK$55,174/mo (50% DSR)
Upfront cash ≈ HK$800K (deposit + AVD stamp duty HK$167,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,879
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$29,654
−HK$786/mo
Today · 4.125%
HK$30,440
baseline
▲ 0.50% · 4.625%
HK$32,044
+HK$1,604/mo
Deposit HK$632K · loan HK$5.69M · min. income ≈ HK$60,880/mo (50% DSR)
Upfront cash ≈ HK$800K (deposit + AVD stamp duty HK$167,463 · 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).