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$14,442
−HK$906/mo
▼ 0.25% · 3.875%
HK$14,892
−HK$456/mo
Today · 4.125%
HK$15,348
baseline
▲ 0.50% · 4.625%
HK$16,282
+HK$934/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$30,696/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$168,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,067
−HK$868/mo
▼ 0.25% · 3.875%
HK$16,498
−HK$437/mo
Today · 4.125%
HK$16,935
baseline
▲ 0.50% · 4.625%
HK$17,828
+HK$893/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$33,870/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$168,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,331
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$17,870
−HK$548/mo
Today · 4.125%
HK$18,418
baseline
▲ 0.50% · 4.625%
HK$19,538
+HK$1,120/mo
Deposit HK$2.53M · loan HK$3.80M · min. income ≈ HK$36,836/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$168,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,280
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$19,798
−HK$524/mo
Today · 4.125%
HK$20,322
baseline
▲ 0.50% · 4.625%
HK$21,393
+HK$1,071/mo
Deposit HK$2.53M · loan HK$3.80M · min. income ≈ HK$40,644/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$168,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,219
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$20,848
−HK$639/mo
Today · 4.125%
HK$21,487
baseline
▲ 0.50% · 4.625%
HK$22,795
+HK$1,308/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$42,974/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$168,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,494
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,097
−HK$612/mo
Today · 4.125%
HK$23,709
baseline
▲ 0.50% · 4.625%
HK$24,959
+HK$1,250/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$47,418/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$168,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,996
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$26,805
−HK$822/mo
Today · 4.125%
HK$27,627
baseline
▲ 0.50% · 4.625%
HK$29,308
+HK$1,681/mo
Deposit HK$633K · loan HK$5.70M · min. income ≈ HK$55,254/mo (50% DSR)
Upfront cash ≈ HK$802K (deposit + AVD stamp duty HK$168,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,921
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$29,696
−HK$787/mo
Today · 4.125%
HK$30,483
baseline
▲ 0.50% · 4.625%
HK$32,090
+HK$1,607/mo
Deposit HK$633K · loan HK$5.70M · min. income ≈ HK$60,966/mo (50% DSR)
Upfront cash ≈ HK$802K (deposit + AVD stamp duty HK$168,370 · 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).