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$14,445
−HK$906/mo
▼ 0.25% · 3.875%
HK$14,894
−HK$457/mo
Today · 4.125%
HK$15,351
baseline
▲ 0.50% · 4.625%
HK$16,285
+HK$934/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$30,702/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$168,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,070
−HK$868/mo
▼ 0.25% · 3.875%
HK$16,501
−HK$437/mo
Today · 4.125%
HK$16,938
baseline
▲ 0.50% · 4.625%
HK$17,831
+HK$893/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$33,876/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$168,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,334
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$17,873
−HK$548/mo
Today · 4.125%
HK$18,421
baseline
▲ 0.50% · 4.625%
HK$19,542
+HK$1,121/mo
Deposit HK$2.53M · loan HK$3.80M · min. income ≈ HK$36,842/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$168,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,284
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$19,801
−HK$525/mo
Today · 4.125%
HK$20,326
baseline
▲ 0.50% · 4.625%
HK$21,397
+HK$1,071/mo
Deposit HK$2.53M · loan HK$3.80M · min. income ≈ HK$40,652/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$168,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,223
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$20,852
−HK$639/mo
Today · 4.125%
HK$21,491
baseline
▲ 0.50% · 4.625%
HK$22,799
+HK$1,308/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$42,982/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$168,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,498
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$23,101
−HK$613/mo
Today · 4.125%
HK$23,714
baseline
▲ 0.50% · 4.625%
HK$24,963
+HK$1,249/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$47,428/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$168,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,001
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$26,810
−HK$822/mo
Today · 4.125%
HK$27,632
baseline
▲ 0.50% · 4.625%
HK$29,313
+HK$1,681/mo
Deposit HK$633K · loan HK$5.70M · min. income ≈ HK$55,264/mo (50% DSR)
Upfront cash ≈ HK$802K (deposit + AVD stamp duty HK$168,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,926
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$29,702
−HK$787/mo
Today · 4.125%
HK$30,489
baseline
▲ 0.50% · 4.625%
HK$32,096
+HK$1,607/mo
Deposit HK$633K · loan HK$5.70M · min. income ≈ HK$60,978/mo (50% DSR)
Upfront cash ≈ HK$802K (deposit + AVD stamp duty HK$168,486 · 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).