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$14,451
−HK$906/mo
▼ 0.25% · 3.875%
HK$14,900
−HK$457/mo
Today · 4.125%
HK$15,357
baseline
▲ 0.50% · 4.625%
HK$16,291
+HK$934/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$30,714/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$168,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,076
−HK$869/mo
▼ 0.25% · 3.875%
HK$16,508
−HK$437/mo
Today · 4.125%
HK$16,945
baseline
▲ 0.50% · 4.625%
HK$17,838
+HK$893/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$33,890/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$168,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,341
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$17,880
−HK$548/mo
Today · 4.125%
HK$18,428
baseline
▲ 0.50% · 4.625%
HK$19,550
+HK$1,122/mo
Deposit HK$2.53M · loan HK$3.80M · min. income ≈ HK$36,856/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$168,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,292
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$19,809
−HK$525/mo
Today · 4.125%
HK$20,334
baseline
▲ 0.50% · 4.625%
HK$21,406
+HK$1,072/mo
Deposit HK$2.53M · loan HK$3.80M · min. income ≈ HK$40,668/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$168,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,231
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$20,860
−HK$640/mo
Today · 4.125%
HK$21,500
baseline
▲ 0.50% · 4.625%
HK$22,808
+HK$1,308/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$43,000/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$168,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,507
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$23,111
−HK$612/mo
Today · 4.125%
HK$23,723
baseline
▲ 0.50% · 4.625%
HK$24,973
+HK$1,250/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$47,446/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$168,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,012
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$26,821
−HK$822/mo
Today · 4.125%
HK$27,643
baseline
▲ 0.50% · 4.625%
HK$29,325
+HK$1,682/mo
Deposit HK$634K · loan HK$5.70M · min. income ≈ HK$55,286/mo (50% DSR)
Upfront cash ≈ HK$802K (deposit + AVD stamp duty HK$168,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,938
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$29,714
−HK$787/mo
Today · 4.125%
HK$30,501
baseline
▲ 0.50% · 4.625%
HK$32,109
+HK$1,608/mo
Deposit HK$634K · loan HK$5.70M · min. income ≈ HK$61,002/mo (50% DSR)
Upfront cash ≈ HK$802K (deposit + AVD stamp duty HK$168,738 · 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).