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$14,436
−HK$905/mo
▼ 0.25% · 3.875%
HK$14,885
−HK$456/mo
Today · 4.125%
HK$15,341
baseline
▲ 0.50% · 4.625%
HK$16,275
+HK$934/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$30,682/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$168,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,060
−HK$867/mo
▼ 0.25% · 3.875%
HK$16,490
−HK$437/mo
Today · 4.125%
HK$16,927
baseline
▲ 0.50% · 4.625%
HK$17,820
+HK$893/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$33,854/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$168,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,323
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$17,862
−HK$547/mo
Today · 4.125%
HK$18,409
baseline
▲ 0.50% · 4.625%
HK$19,530
+HK$1,121/mo
Deposit HK$2.53M · loan HK$3.80M · min. income ≈ HK$36,818/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$168,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,272
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,789
−HK$524/mo
Today · 4.125%
HK$20,313
baseline
▲ 0.50% · 4.625%
HK$21,384
+HK$1,071/mo
Deposit HK$2.53M · loan HK$3.80M · min. income ≈ HK$40,626/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$168,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,210
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$20,839
−HK$639/mo
Today · 4.125%
HK$21,478
baseline
▲ 0.50% · 4.625%
HK$22,784
+HK$1,306/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$42,956/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$168,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,484
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$23,087
−HK$611/mo
Today · 4.125%
HK$23,698
baseline
▲ 0.50% · 4.625%
HK$24,948
+HK$1,250/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$47,396/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$168,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,985
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$26,793
−HK$821/mo
Today · 4.125%
HK$27,614
baseline
▲ 0.50% · 4.625%
HK$29,294
+HK$1,680/mo
Deposit HK$633K · loan HK$5.70M · min. income ≈ HK$55,228/mo (50% DSR)
Upfront cash ≈ HK$801K (deposit + AVD stamp duty HK$168,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,908
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$29,683
−HK$786/mo
Today · 4.125%
HK$30,469
baseline
▲ 0.50% · 4.625%
HK$32,075
+HK$1,606/mo
Deposit HK$633K · loan HK$5.70M · min. income ≈ HK$60,938/mo (50% DSR)
Upfront cash ≈ HK$801K (deposit + AVD stamp duty HK$168,081 · 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).