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$14,428
−HK$905/mo
▼ 0.25% · 3.875%
HK$14,877
−HK$456/mo
Today · 4.125%
HK$15,333
baseline
▲ 0.50% · 4.625%
HK$16,265
+HK$932/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$30,666/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$167,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,051
−HK$867/mo
▼ 0.25% · 3.875%
HK$16,481
−HK$437/mo
Today · 4.125%
HK$16,918
baseline
▲ 0.50% · 4.625%
HK$17,810
+HK$892/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$33,836/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$167,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,313
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$17,852
−HK$547/mo
Today · 4.125%
HK$18,399
baseline
▲ 0.50% · 4.625%
HK$19,519
+HK$1,120/mo
Deposit HK$2.53M · loan HK$3.80M · min. income ≈ HK$36,798/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$167,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,261
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$19,777
−HK$524/mo
Today · 4.125%
HK$20,301
baseline
▲ 0.50% · 4.625%
HK$21,372
+HK$1,071/mo
Deposit HK$2.53M · loan HK$3.80M · min. income ≈ HK$40,602/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$167,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,199
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$20,827
−HK$639/mo
Today · 4.125%
HK$21,466
baseline
▲ 0.50% · 4.625%
HK$22,772
+HK$1,306/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$42,932/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$167,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,471
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$23,074
−HK$611/mo
Today · 4.125%
HK$23,685
baseline
▲ 0.50% · 4.625%
HK$24,934
+HK$1,249/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$47,370/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$167,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,970
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$26,778
−HK$821/mo
Today · 4.125%
HK$27,599
baseline
▲ 0.50% · 4.625%
HK$29,278
+HK$1,679/mo
Deposit HK$633K · loan HK$5.69M · min. income ≈ HK$55,198/mo (50% DSR)
Upfront cash ≈ HK$800K (deposit + AVD stamp duty HK$167,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,891
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$29,666
−HK$786/mo
Today · 4.125%
HK$30,452
baseline
▲ 0.50% · 4.625%
HK$32,057
+HK$1,605/mo
Deposit HK$633K · loan HK$5.69M · min. income ≈ HK$60,904/mo (50% DSR)
Upfront cash ≈ HK$800K (deposit + AVD stamp duty HK$167,726 · 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).