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$14,448
−HK$906/mo
▼ 0.25% · 3.875%
HK$14,897
−HK$457/mo
Today · 4.125%
HK$15,354
baseline
▲ 0.50% · 4.625%
HK$16,288
+HK$934/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$30,708/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$168,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,073
−HK$868/mo
▼ 0.25% · 3.875%
HK$16,504
−HK$437/mo
Today · 4.125%
HK$16,941
baseline
▲ 0.50% · 4.625%
HK$17,834
+HK$893/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$33,882/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$168,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,337
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$17,877
−HK$548/mo
Today · 4.125%
HK$18,425
baseline
▲ 0.50% · 4.625%
HK$19,546
+HK$1,121/mo
Deposit HK$2.53M · loan HK$3.80M · min. income ≈ HK$36,850/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$168,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,288
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$19,805
−HK$525/mo
Today · 4.125%
HK$20,330
baseline
▲ 0.50% · 4.625%
HK$21,401
+HK$1,071/mo
Deposit HK$2.53M · loan HK$3.80M · min. income ≈ HK$40,660/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$168,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,227
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$20,856
−HK$639/mo
Today · 4.125%
HK$21,495
baseline
▲ 0.50% · 4.625%
HK$22,803
+HK$1,308/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$42,990/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$168,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,502
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$23,106
−HK$612/mo
Today · 4.125%
HK$23,718
baseline
▲ 0.50% · 4.625%
HK$24,968
+HK$1,250/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$47,436/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$168,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,006
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$26,815
−HK$822/mo
Today · 4.125%
HK$27,637
baseline
▲ 0.50% · 4.625%
HK$29,319
+HK$1,682/mo
Deposit HK$634K · loan HK$5.70M · min. income ≈ HK$55,274/mo (50% DSR)
Upfront cash ≈ HK$802K (deposit + AVD stamp duty HK$168,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,932
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$29,707
−HK$788/mo
Today · 4.125%
HK$30,495
baseline
▲ 0.50% · 4.625%
HK$32,102
+HK$1,607/mo
Deposit HK$634K · loan HK$5.70M · min. income ≈ HK$60,990/mo (50% DSR)
Upfront cash ≈ HK$802K (deposit + AVD stamp duty HK$168,606 · 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).