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$14,442
−HK$906/mo
▼ 0.25% · 3.875%
HK$14,891
−HK$457/mo
Today · 4.125%
HK$15,348
baseline
▲ 0.50% · 4.625%
HK$16,281
+HK$933/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$30,696/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$168,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,066
−HK$868/mo
▼ 0.25% · 3.875%
HK$16,497
−HK$437/mo
Today · 4.125%
HK$16,934
baseline
▲ 0.50% · 4.625%
HK$17,827
+HK$893/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$33,868/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$168,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,330
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$17,869
−HK$548/mo
Today · 4.125%
HK$18,417
baseline
▲ 0.50% · 4.625%
HK$19,538
+HK$1,121/mo
Deposit HK$2.53M · loan HK$3.80M · min. income ≈ HK$36,834/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$168,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,280
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,797
−HK$524/mo
Today · 4.125%
HK$20,321
baseline
▲ 0.50% · 4.625%
HK$21,393
+HK$1,072/mo
Deposit HK$2.53M · loan HK$3.80M · min. income ≈ HK$40,642/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$168,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,219
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$20,848
−HK$639/mo
Today · 4.125%
HK$21,487
baseline
▲ 0.50% · 4.625%
HK$22,794
+HK$1,307/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$42,974/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$168,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,493
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,096
−HK$612/mo
Today · 4.125%
HK$23,708
baseline
▲ 0.50% · 4.625%
HK$24,958
+HK$1,250/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$47,416/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$168,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,995
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$26,804
−HK$822/mo
Today · 4.125%
HK$27,626
baseline
▲ 0.50% · 4.625%
HK$29,306
+HK$1,680/mo
Deposit HK$633K · loan HK$5.70M · min. income ≈ HK$55,252/mo (50% DSR)
Upfront cash ≈ HK$802K (deposit + AVD stamp duty HK$168,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,920
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$29,695
−HK$787/mo
Today · 4.125%
HK$30,482
baseline
▲ 0.50% · 4.625%
HK$32,089
+HK$1,607/mo
Deposit HK$633K · loan HK$5.70M · min. income ≈ HK$60,964/mo (50% DSR)
Upfront cash ≈ HK$802K (deposit + AVD stamp duty HK$168,345 · 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).