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$14,438
−HK$905/mo
▼ 0.25% · 3.875%
HK$14,887
−HK$456/mo
Today · 4.125%
HK$15,343
baseline
▲ 0.50% · 4.625%
HK$16,277
+HK$934/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$168,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,062
−HK$868/mo
▼ 0.25% · 3.875%
HK$16,493
−HK$437/mo
Today · 4.125%
HK$16,930
baseline
▲ 0.50% · 4.625%
HK$17,822
+HK$892/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$33,860/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$168,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,326
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$17,865
−HK$547/mo
Today · 4.125%
HK$18,412
baseline
▲ 0.50% · 4.625%
HK$19,532
+HK$1,120/mo
Deposit HK$2.53M · loan HK$3.80M · min. income ≈ HK$36,824/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$168,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,275
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,792
−HK$524/mo
Today · 4.125%
HK$20,316
baseline
▲ 0.50% · 4.625%
HK$21,387
+HK$1,071/mo
Deposit HK$2.53M · loan HK$3.80M · min. income ≈ HK$40,632/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$168,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,213
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$20,842
−HK$639/mo
Today · 4.125%
HK$21,481
baseline
▲ 0.50% · 4.625%
HK$22,788
+HK$1,307/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$42,962/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$168,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,487
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,090
−HK$612/mo
Today · 4.125%
HK$23,702
baseline
▲ 0.50% · 4.625%
HK$24,951
+HK$1,249/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$47,404/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$168,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,988
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,797
−HK$821/mo
Today · 4.125%
HK$27,618
baseline
▲ 0.50% · 4.625%
HK$29,299
+HK$1,681/mo
Deposit HK$633K · loan HK$5.70M · min. income ≈ HK$55,236/mo (50% DSR)
Upfront cash ≈ HK$801K (deposit + AVD stamp duty HK$168,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,912
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$29,687
−HK$787/mo
Today · 4.125%
HK$30,474
baseline
▲ 0.50% · 4.625%
HK$32,080
+HK$1,606/mo
Deposit HK$633K · loan HK$5.70M · min. income ≈ HK$60,948/mo (50% DSR)
Upfront cash ≈ HK$801K (deposit + AVD stamp duty HK$168,176 · 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).