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$14,424
−HK$905/mo
▼ 0.25% · 3.875%
HK$14,873
−HK$456/mo
Today · 4.125%
HK$15,329
baseline
▲ 0.50% · 4.625%
HK$16,262
+HK$933/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$30,658/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$167,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,047
−HK$867/mo
▼ 0.25% · 3.875%
HK$16,477
−HK$437/mo
Today · 4.125%
HK$16,914
baseline
▲ 0.50% · 4.625%
HK$17,806
+HK$892/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$33,828/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$167,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,309
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$17,848
−HK$547/mo
Today · 4.125%
HK$18,395
baseline
▲ 0.50% · 4.625%
HK$19,514
+HK$1,119/mo
Deposit HK$2.53M · loan HK$3.80M · min. income ≈ HK$36,790/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$167,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,256
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,773
−HK$524/mo
Today · 4.125%
HK$20,297
baseline
▲ 0.50% · 4.625%
HK$21,367
+HK$1,070/mo
Deposit HK$2.53M · loan HK$3.80M · min. income ≈ HK$40,594/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$167,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,194
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$20,822
−HK$639/mo
Today · 4.125%
HK$21,461
baseline
▲ 0.50% · 4.625%
HK$22,766
+HK$1,305/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$42,922/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$167,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,466
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$23,068
−HK$612/mo
Today · 4.125%
HK$23,680
baseline
▲ 0.50% · 4.625%
HK$24,928
+HK$1,248/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$47,360/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$167,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,964
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$26,772
−HK$820/mo
Today · 4.125%
HK$27,592
baseline
▲ 0.50% · 4.625%
HK$29,271
+HK$1,679/mo
Deposit HK$633K · loan HK$5.69M · min. income ≈ HK$55,184/mo (50% DSR)
Upfront cash ≈ HK$800K (deposit + AVD stamp duty HK$167,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,885
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,659
−HK$786/mo
Today · 4.125%
HK$30,445
baseline
▲ 0.50% · 4.625%
HK$32,050
+HK$1,605/mo
Deposit HK$633K · loan HK$5.69M · min. income ≈ HK$60,890/mo (50% DSR)
Upfront cash ≈ HK$800K (deposit + AVD stamp duty HK$167,580 · 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).