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$14,431
−HK$905/mo
▼ 0.25% · 3.875%
HK$14,879
−HK$457/mo
Today · 4.125%
HK$15,336
baseline
▲ 0.50% · 4.625%
HK$16,269
+HK$933/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$30,672/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$167,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,054
−HK$867/mo
▼ 0.25% · 3.875%
HK$16,484
−HK$437/mo
Today · 4.125%
HK$16,921
baseline
▲ 0.50% · 4.625%
HK$17,813
+HK$892/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$33,842/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$167,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,317
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$17,855
−HK$548/mo
Today · 4.125%
HK$18,403
baseline
▲ 0.50% · 4.625%
HK$19,522
+HK$1,119/mo
Deposit HK$2.53M · loan HK$3.80M · min. income ≈ HK$36,806/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$167,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,265
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$19,781
−HK$524/mo
Today · 4.125%
HK$20,305
baseline
▲ 0.50% · 4.625%
HK$21,376
+HK$1,071/mo
Deposit HK$2.53M · loan HK$3.80M · min. income ≈ HK$40,610/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$167,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,203
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$20,831
−HK$639/mo
Today · 4.125%
HK$21,470
baseline
▲ 0.50% · 4.625%
HK$22,776
+HK$1,306/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$42,940/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$167,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,475
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,078
−HK$612/mo
Today · 4.125%
HK$23,690
baseline
▲ 0.50% · 4.625%
HK$24,938
+HK$1,248/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$47,380/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$167,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,975
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$26,783
−HK$821/mo
Today · 4.125%
HK$27,604
baseline
▲ 0.50% · 4.625%
HK$29,284
+HK$1,680/mo
Deposit HK$633K · loan HK$5.70M · min. income ≈ HK$55,208/mo (50% DSR)
Upfront cash ≈ HK$801K (deposit + AVD stamp duty HK$167,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,897
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$29,672
−HK$786/mo
Today · 4.125%
HK$30,458
baseline
▲ 0.50% · 4.625%
HK$32,064
+HK$1,606/mo
Deposit HK$633K · loan HK$5.70M · min. income ≈ HK$60,916/mo (50% DSR)
Upfront cash ≈ HK$801K (deposit + AVD stamp duty HK$167,850 · 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).