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$14,415
−HK$904/mo
▼ 0.25% · 3.875%
HK$14,863
−HK$456/mo
Today · 4.125%
HK$15,319
baseline
▲ 0.50% · 4.625%
HK$16,251
+HK$932/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$30,638/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$167,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,037
−HK$866/mo
▼ 0.25% · 3.875%
HK$16,467
−HK$436/mo
Today · 4.125%
HK$16,903
baseline
▲ 0.50% · 4.625%
HK$17,794
+HK$891/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$33,806/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$167,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,298
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$17,836
−HK$547/mo
Today · 4.125%
HK$18,383
baseline
▲ 0.50% · 4.625%
HK$19,501
+HK$1,118/mo
Deposit HK$2.53M · loan HK$3.79M · min. income ≈ HK$36,766/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$167,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,244
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$19,760
−HK$524/mo
Today · 4.125%
HK$20,284
baseline
▲ 0.50% · 4.625%
HK$21,353
+HK$1,069/mo
Deposit HK$2.53M · loan HK$3.79M · min. income ≈ HK$40,568/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$167,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,181
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$20,809
−HK$638/mo
Today · 4.125%
HK$21,447
baseline
▲ 0.50% · 4.625%
HK$22,752
+HK$1,305/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$42,894/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$167,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,451
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$23,053
−HK$611/mo
Today · 4.125%
HK$23,664
baseline
▲ 0.50% · 4.625%
HK$24,912
+HK$1,248/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$47,328/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$167,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,947
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,754
−HK$820/mo
Today · 4.125%
HK$27,574
baseline
▲ 0.50% · 4.625%
HK$29,252
+HK$1,678/mo
Deposit HK$632K · loan HK$5.69M · min. income ≈ HK$55,148/mo (50% DSR)
Upfront cash ≈ HK$799K (deposit + AVD stamp duty HK$167,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,866
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$29,640
−HK$785/mo
Today · 4.125%
HK$30,425
baseline
▲ 0.50% · 4.625%
HK$32,029
+HK$1,604/mo
Deposit HK$632K · loan HK$5.69M · min. income ≈ HK$60,850/mo (50% DSR)
Upfront cash ≈ HK$799K (deposit + AVD stamp duty HK$167,170 · 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).