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$14,444
−HK$905/mo
▼ 0.25% · 3.875%
HK$14,893
−HK$456/mo
Today · 4.125%
HK$15,349
baseline
▲ 0.50% · 4.625%
HK$16,283
+HK$934/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$30,698/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$168,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,068
−HK$868/mo
▼ 0.25% · 3.875%
HK$16,499
−HK$437/mo
Today · 4.125%
HK$16,936
baseline
▲ 0.50% · 4.625%
HK$17,829
+HK$893/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$33,872/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$168,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,332
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$17,871
−HK$548/mo
Today · 4.125%
HK$18,419
baseline
▲ 0.50% · 4.625%
HK$19,540
+HK$1,121/mo
Deposit HK$2.53M · loan HK$3.80M · min. income ≈ HK$36,838/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$168,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,282
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$19,799
−HK$525/mo
Today · 4.125%
HK$20,324
baseline
▲ 0.50% · 4.625%
HK$21,395
+HK$1,071/mo
Deposit HK$2.53M · loan HK$3.80M · min. income ≈ HK$40,648/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$168,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,221
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$20,850
−HK$639/mo
Today · 4.125%
HK$21,489
baseline
▲ 0.50% · 4.625%
HK$22,797
+HK$1,308/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$42,978/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$168,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,496
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,099
−HK$612/mo
Today · 4.125%
HK$23,711
baseline
▲ 0.50% · 4.625%
HK$24,961
+HK$1,250/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$47,422/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$168,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,998
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$26,807
−HK$822/mo
Today · 4.125%
HK$27,629
baseline
▲ 0.50% · 4.625%
HK$29,310
+HK$1,681/mo
Deposit HK$633K · loan HK$5.70M · min. income ≈ HK$55,258/mo (50% DSR)
Upfront cash ≈ HK$802K (deposit + AVD stamp duty HK$168,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,923
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$29,699
−HK$786/mo
Today · 4.125%
HK$30,485
baseline
▲ 0.50% · 4.625%
HK$32,092
+HK$1,607/mo
Deposit HK$633K · loan HK$5.70M · min. income ≈ HK$60,970/mo (50% DSR)
Upfront cash ≈ HK$802K (deposit + AVD stamp duty HK$168,417 · 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).