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$14,435
−HK$905/mo
▼ 0.25% · 3.875%
HK$14,884
−HK$456/mo
Today · 4.125%
HK$15,340
baseline
▲ 0.50% · 4.625%
HK$16,274
+HK$934/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$30,680/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$168,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,059
−HK$867/mo
▼ 0.25% · 3.875%
HK$16,489
−HK$437/mo
Today · 4.125%
HK$16,926
baseline
▲ 0.50% · 4.625%
HK$17,819
+HK$893/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$33,852/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$168,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,322
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$17,861
−HK$547/mo
Today · 4.125%
HK$18,408
baseline
▲ 0.50% · 4.625%
HK$19,528
+HK$1,120/mo
Deposit HK$2.53M · loan HK$3.80M · min. income ≈ HK$36,816/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$168,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,271
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,787
−HK$525/mo
Today · 4.125%
HK$20,312
baseline
▲ 0.50% · 4.625%
HK$21,382
+HK$1,070/mo
Deposit HK$2.53M · loan HK$3.80M · min. income ≈ HK$40,624/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$168,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,209
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$20,838
−HK$638/mo
Today · 4.125%
HK$21,476
baseline
▲ 0.50% · 4.625%
HK$22,783
+HK$1,307/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$42,952/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$168,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,482
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,085
−HK$612/mo
Today · 4.125%
HK$23,697
baseline
▲ 0.50% · 4.625%
HK$24,946
+HK$1,249/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$47,394/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$168,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,983
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$26,791
−HK$821/mo
Today · 4.125%
HK$27,612
baseline
▲ 0.50% · 4.625%
HK$29,292
+HK$1,680/mo
Deposit HK$633K · loan HK$5.70M · min. income ≈ HK$55,224/mo (50% DSR)
Upfront cash ≈ HK$801K (deposit + AVD stamp duty HK$168,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,906
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$29,681
−HK$786/mo
Today · 4.125%
HK$30,467
baseline
▲ 0.50% · 4.625%
HK$32,073
+HK$1,606/mo
Deposit HK$633K · loan HK$5.70M · min. income ≈ HK$60,934/mo (50% DSR)
Upfront cash ≈ HK$801K (deposit + AVD stamp duty HK$168,042 · 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).