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$14,416
−HK$904/mo
▼ 0.25% · 3.875%
HK$14,865
−HK$455/mo
Today · 4.125%
HK$15,320
baseline
▲ 0.50% · 4.625%
HK$16,252
+HK$932/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$30,640/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$167,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,038
−HK$866/mo
▼ 0.25% · 3.875%
HK$16,468
−HK$436/mo
Today · 4.125%
HK$16,904
baseline
▲ 0.50% · 4.625%
HK$17,795
+HK$891/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$33,808/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$167,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,300
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$17,838
−HK$546/mo
Today · 4.125%
HK$18,384
baseline
▲ 0.50% · 4.625%
HK$19,503
+HK$1,119/mo
Deposit HK$2.53M · loan HK$3.79M · min. income ≈ HK$36,768/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$167,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,246
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$19,762
−HK$523/mo
Today · 4.125%
HK$20,285
baseline
▲ 0.50% · 4.625%
HK$21,355
+HK$1,070/mo
Deposit HK$2.53M · loan HK$3.79M · min. income ≈ HK$40,570/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$167,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,183
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$20,811
−HK$637/mo
Today · 4.125%
HK$21,448
baseline
▲ 0.50% · 4.625%
HK$22,753
+HK$1,305/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$42,896/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$167,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,453
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$23,055
−HK$611/mo
Today · 4.125%
HK$23,666
baseline
▲ 0.50% · 4.625%
HK$24,914
+HK$1,248/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$47,332/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$167,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,949
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$26,756
−HK$821/mo
Today · 4.125%
HK$27,577
baseline
▲ 0.50% · 4.625%
HK$29,254
+HK$1,677/mo
Deposit HK$632K · loan HK$5.69M · min. income ≈ HK$55,154/mo (50% DSR)
Upfront cash ≈ HK$799K (deposit + AVD stamp duty HK$167,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,868
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,643
−HK$785/mo
Today · 4.125%
HK$30,428
baseline
▲ 0.50% · 4.625%
HK$32,032
+HK$1,604/mo
Deposit HK$632K · loan HK$5.69M · min. income ≈ HK$60,856/mo (50% DSR)
Upfront cash ≈ HK$799K (deposit + AVD stamp duty HK$167,222 · 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).