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$14,408
−HK$903/mo
▼ 0.25% · 3.875%
HK$14,856
−HK$455/mo
Today · 4.125%
HK$15,311
baseline
▲ 0.50% · 4.625%
HK$16,243
+HK$932/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$30,622/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$166,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,028
−HK$866/mo
▼ 0.25% · 3.875%
HK$16,458
−HK$436/mo
Today · 4.125%
HK$16,894
baseline
▲ 0.50% · 4.625%
HK$17,785
+HK$891/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$33,788/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$166,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,289
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$17,827
−HK$546/mo
Today · 4.125%
HK$18,373
baseline
▲ 0.50% · 4.625%
HK$19,491
+HK$1,118/mo
Deposit HK$2.53M · loan HK$3.79M · min. income ≈ HK$36,746/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$166,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,234
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$19,750
−HK$523/mo
Today · 4.125%
HK$20,273
baseline
▲ 0.50% · 4.625%
HK$21,342
+HK$1,069/mo
Deposit HK$2.53M · loan HK$3.79M · min. income ≈ HK$40,546/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$166,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,171
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$20,798
−HK$637/mo
Today · 4.125%
HK$21,435
baseline
▲ 0.50% · 4.625%
HK$22,740
+HK$1,305/mo
Deposit HK$1.90M · loan HK$4.42M · min. income ≈ HK$42,870/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$166,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,440
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$23,041
−HK$611/mo
Today · 4.125%
HK$23,652
baseline
▲ 0.50% · 4.625%
HK$24,899
+HK$1,247/mo
Deposit HK$1.90M · loan HK$4.42M · min. income ≈ HK$47,304/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$166,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,934
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$26,740
−HK$820/mo
Today · 4.125%
HK$27,560
baseline
▲ 0.50% · 4.625%
HK$29,237
+HK$1,677/mo
Deposit HK$632K · loan HK$5.69M · min. income ≈ HK$55,120/mo (50% DSR)
Upfront cash ≈ HK$799K (deposit + AVD stamp duty HK$166,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,851
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$29,625
−HK$785/mo
Today · 4.125%
HK$30,410
baseline
▲ 0.50% · 4.625%
HK$32,012
+HK$1,602/mo
Deposit HK$632K · loan HK$5.69M · min. income ≈ HK$60,820/mo (50% DSR)
Upfront cash ≈ HK$799K (deposit + AVD stamp duty HK$166,839 · 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).