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$905/mo
▼ 0.25% · 3.875%
HK$14,889
−HK$456/mo
Today · 4.125%
HK$15,345
baseline
▲ 0.50% · 4.625%
HK$16,279
+HK$934/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$30,690/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$168,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,064
−HK$868/mo
▼ 0.25% · 3.875%
HK$16,495
−HK$437/mo
Today · 4.125%
HK$16,932
baseline
▲ 0.50% · 4.625%
HK$17,825
+HK$893/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$33,864/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$168,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,328
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$17,867
−HK$547/mo
Today · 4.125%
HK$18,414
baseline
▲ 0.50% · 4.625%
HK$19,535
+HK$1,121/mo
Deposit HK$2.53M · loan HK$3.80M · min. income ≈ HK$36,828/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$168,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,277
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,794
−HK$524/mo
Today · 4.125%
HK$20,318
baseline
▲ 0.50% · 4.625%
HK$21,389
+HK$1,071/mo
Deposit HK$2.53M · loan HK$3.80M · min. income ≈ HK$40,636/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$168,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,216
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$20,845
−HK$638/mo
Today · 4.125%
HK$21,483
baseline
▲ 0.50% · 4.625%
HK$22,791
+HK$1,308/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$42,966/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$168,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,490
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,093
−HK$612/mo
Today · 4.125%
HK$23,705
baseline
▲ 0.50% · 4.625%
HK$24,954
+HK$1,249/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$47,410/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$168,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,992
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$26,800
−HK$821/mo
Today · 4.125%
HK$27,621
baseline
▲ 0.50% · 4.625%
HK$29,302
+HK$1,681/mo
Deposit HK$633K · loan HK$5.70M · min. income ≈ HK$55,242/mo (50% DSR)
Upfront cash ≈ HK$802K (deposit + AVD stamp duty HK$168,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,915
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$29,691
−HK$787/mo
Today · 4.125%
HK$30,478
baseline
▲ 0.50% · 4.625%
HK$32,084
+HK$1,606/mo
Deposit HK$633K · loan HK$5.70M · min. income ≈ HK$60,956/mo (50% DSR)
Upfront cash ≈ HK$802K (deposit + AVD stamp duty HK$168,253 · 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).