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$14,437
−HK$906/mo
▼ 0.25% · 3.875%
HK$14,886
−HK$457/mo
Today · 4.125%
HK$15,343
baseline
▲ 0.50% · 4.625%
HK$16,276
+HK$933/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$30,686/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$168,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,061
−HK$868/mo
▼ 0.25% · 3.875%
HK$16,492
−HK$437/mo
Today · 4.125%
HK$16,929
baseline
▲ 0.50% · 4.625%
HK$17,821
+HK$892/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$33,858/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$168,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,325
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$17,864
−HK$547/mo
Today · 4.125%
HK$18,411
baseline
▲ 0.50% · 4.625%
HK$19,531
+HK$1,120/mo
Deposit HK$2.53M · loan HK$3.80M · min. income ≈ HK$36,822/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$168,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,274
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,790
−HK$525/mo
Today · 4.125%
HK$20,315
baseline
▲ 0.50% · 4.625%
HK$21,386
+HK$1,071/mo
Deposit HK$2.53M · loan HK$3.80M · min. income ≈ HK$40,630/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$168,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,212
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$20,841
−HK$639/mo
Today · 4.125%
HK$21,480
baseline
▲ 0.50% · 4.625%
HK$22,787
+HK$1,307/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$42,960/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$168,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,486
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,089
−HK$612/mo
Today · 4.125%
HK$23,701
baseline
▲ 0.50% · 4.625%
HK$24,950
+HK$1,249/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$47,402/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$168,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,987
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,795
−HK$822/mo
Today · 4.125%
HK$27,617
baseline
▲ 0.50% · 4.625%
HK$29,297
+HK$1,680/mo
Deposit HK$633K · loan HK$5.70M · min. income ≈ HK$55,234/mo (50% DSR)
Upfront cash ≈ HK$801K (deposit + AVD stamp duty HK$168,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,910
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$29,686
−HK$786/mo
Today · 4.125%
HK$30,472
baseline
▲ 0.50% · 4.625%
HK$32,078
+HK$1,606/mo
Deposit HK$633K · loan HK$5.70M · min. income ≈ HK$60,944/mo (50% DSR)
Upfront cash ≈ HK$801K (deposit + AVD stamp duty HK$168,141 · 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).