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$14,440
−HK$906/mo
▼ 0.25% · 3.875%
HK$14,890
−HK$456/mo
Today · 4.125%
HK$15,346
baseline
▲ 0.50% · 4.625%
HK$16,280
+HK$934/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$30,692/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$168,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,065
−HK$868/mo
▼ 0.25% · 3.875%
HK$16,496
−HK$437/mo
Today · 4.125%
HK$16,933
baseline
▲ 0.50% · 4.625%
HK$17,825
+HK$892/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$33,866/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$168,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,329
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$17,868
−HK$547/mo
Today · 4.125%
HK$18,415
baseline
▲ 0.50% · 4.625%
HK$19,536
+HK$1,121/mo
Deposit HK$2.53M · loan HK$3.80M · min. income ≈ HK$36,830/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$168,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,278
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,795
−HK$524/mo
Today · 4.125%
HK$20,319
baseline
▲ 0.50% · 4.625%
HK$21,390
+HK$1,071/mo
Deposit HK$2.53M · loan HK$3.80M · min. income ≈ HK$40,638/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$168,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,217
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$20,845
−HK$639/mo
Today · 4.125%
HK$21,484
baseline
▲ 0.50% · 4.625%
HK$22,792
+HK$1,308/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$42,968/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$168,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,491
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,094
−HK$612/mo
Today · 4.125%
HK$23,706
baseline
▲ 0.50% · 4.625%
HK$24,955
+HK$1,249/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$47,412/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$168,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,993
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,801
−HK$822/mo
Today · 4.125%
HK$27,623
baseline
▲ 0.50% · 4.625%
HK$29,304
+HK$1,681/mo
Deposit HK$633K · loan HK$5.70M · min. income ≈ HK$55,246/mo (50% DSR)
Upfront cash ≈ HK$802K (deposit + AVD stamp duty HK$168,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,917
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$29,692
−HK$787/mo
Today · 4.125%
HK$30,479
baseline
▲ 0.50% · 4.625%
HK$32,086
+HK$1,607/mo
Deposit HK$633K · loan HK$5.70M · min. income ≈ HK$60,958/mo (50% DSR)
Upfront cash ≈ HK$802K (deposit + AVD stamp duty HK$168,283 · 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).