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$14,415
−HK$904/mo
▼ 0.25% · 3.875%
HK$14,863
−HK$456/mo
Today · 4.125%
HK$15,319
baseline
▲ 0.50% · 4.625%
HK$16,251
+HK$932/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$30,638/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$167,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,036
−HK$867/mo
▼ 0.25% · 3.875%
HK$16,466
−HK$437/mo
Today · 4.125%
HK$16,903
baseline
▲ 0.50% · 4.625%
HK$17,793
+HK$890/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$33,806/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$167,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,298
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$17,836
−HK$546/mo
Today · 4.125%
HK$18,382
baseline
▲ 0.50% · 4.625%
HK$19,501
+HK$1,119/mo
Deposit HK$2.53M · loan HK$3.79M · min. income ≈ HK$36,764/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$167,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,243
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$19,759
−HK$524/mo
Today · 4.125%
HK$20,283
baseline
▲ 0.50% · 4.625%
HK$21,352
+HK$1,069/mo
Deposit HK$2.53M · loan HK$3.79M · min. income ≈ HK$40,566/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$167,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,180
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$20,808
−HK$638/mo
Today · 4.125%
HK$21,446
baseline
▲ 0.50% · 4.625%
HK$22,751
+HK$1,305/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$42,892/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$167,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,451
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$23,053
−HK$611/mo
Today · 4.125%
HK$23,664
baseline
▲ 0.50% · 4.625%
HK$24,911
+HK$1,247/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$47,328/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$167,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,946
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,753
−HK$820/mo
Today · 4.125%
HK$27,573
baseline
▲ 0.50% · 4.625%
HK$29,251
+HK$1,678/mo
Deposit HK$632K · loan HK$5.69M · min. income ≈ HK$55,146/mo (50% DSR)
Upfront cash ≈ HK$799K (deposit + AVD stamp duty HK$167,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,865
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,639
−HK$786/mo
Today · 4.125%
HK$30,425
baseline
▲ 0.50% · 4.625%
HK$32,028
+HK$1,603/mo
Deposit HK$632K · loan HK$5.69M · min. income ≈ HK$60,850/mo (50% DSR)
Upfront cash ≈ HK$799K (deposit + AVD stamp duty HK$167,150 · 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).