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$14,404
−HK$903/mo
▼ 0.25% · 3.875%
HK$14,852
−HK$455/mo
Today · 4.125%
HK$15,307
baseline
▲ 0.50% · 4.625%
HK$16,238
+HK$931/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$30,614/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$166,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,024
−HK$866/mo
▼ 0.25% · 3.875%
HK$16,454
−HK$436/mo
Today · 4.125%
HK$16,890
baseline
▲ 0.50% · 4.625%
HK$17,780
+HK$890/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$33,780/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$166,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,284
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$17,822
−HK$546/mo
Today · 4.125%
HK$18,368
baseline
▲ 0.50% · 4.625%
HK$19,486
+HK$1,118/mo
Deposit HK$2.53M · loan HK$3.79M · min. income ≈ HK$36,736/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$166,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,229
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$19,744
−HK$524/mo
Today · 4.125%
HK$20,268
baseline
▲ 0.50% · 4.625%
HK$21,336
+HK$1,068/mo
Deposit HK$2.53M · loan HK$3.79M · min. income ≈ HK$40,536/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$166,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,165
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$20,792
−HK$638/mo
Today · 4.125%
HK$21,430
baseline
▲ 0.50% · 4.625%
HK$22,734
+HK$1,304/mo
Deposit HK$1.89M · loan HK$4.42M · min. income ≈ HK$42,860/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$166,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,433
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$23,035
−HK$610/mo
Today · 4.125%
HK$23,645
baseline
▲ 0.50% · 4.625%
HK$24,892
+HK$1,247/mo
Deposit HK$1.89M · loan HK$4.42M · min. income ≈ HK$47,290/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$166,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,926
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$26,733
−HK$819/mo
Today · 4.125%
HK$27,552
baseline
▲ 0.50% · 4.625%
HK$29,229
+HK$1,677/mo
Deposit HK$632K · loan HK$5.68M · min. income ≈ HK$55,104/mo (50% DSR)
Upfront cash ≈ HK$798K (deposit + AVD stamp duty HK$166,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,843
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$29,617
−HK$784/mo
Today · 4.125%
HK$30,401
baseline
▲ 0.50% · 4.625%
HK$32,004
+HK$1,603/mo
Deposit HK$632K · loan HK$5.68M · min. income ≈ HK$60,802/mo (50% DSR)
Upfront cash ≈ HK$798K (deposit + AVD stamp duty HK$166,666 · 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).