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$14,407
−HK$904/mo
▼ 0.25% · 3.875%
HK$14,855
−HK$456/mo
Today · 4.125%
HK$15,311
baseline
▲ 0.50% · 4.625%
HK$16,242
+HK$931/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$30,622/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$166,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,028
−HK$866/mo
▼ 0.25% · 3.875%
HK$16,458
−HK$436/mo
Today · 4.125%
HK$16,894
baseline
▲ 0.50% · 4.625%
HK$17,784
+HK$890/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$33,788/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$166,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,289
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$17,826
−HK$547/mo
Today · 4.125%
HK$18,373
baseline
▲ 0.50% · 4.625%
HK$19,491
+HK$1,118/mo
Deposit HK$2.53M · loan HK$3.79M · min. income ≈ HK$36,746/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$166,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,234
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$19,749
−HK$524/mo
Today · 4.125%
HK$20,273
baseline
▲ 0.50% · 4.625%
HK$21,341
+HK$1,068/mo
Deposit HK$2.53M · loan HK$3.79M · min. income ≈ HK$40,546/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$166,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,170
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$20,798
−HK$637/mo
Today · 4.125%
HK$21,435
baseline
▲ 0.50% · 4.625%
HK$22,739
+HK$1,304/mo
Deposit HK$1.90M · loan HK$4.42M · min. income ≈ HK$42,870/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$166,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,439
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$23,041
−HK$610/mo
Today · 4.125%
HK$23,651
baseline
▲ 0.50% · 4.625%
HK$24,898
+HK$1,247/mo
Deposit HK$1.90M · loan HK$4.42M · min. income ≈ HK$47,302/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$166,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,933
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$26,740
−HK$819/mo
Today · 4.125%
HK$27,559
baseline
▲ 0.50% · 4.625%
HK$29,236
+HK$1,677/mo
Deposit HK$632K · loan HK$5.69M · min. income ≈ HK$55,118/mo (50% DSR)
Upfront cash ≈ HK$799K (deposit + AVD stamp duty HK$166,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,850
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$29,624
−HK$785/mo
Today · 4.125%
HK$30,409
baseline
▲ 0.50% · 4.625%
HK$32,012
+HK$1,603/mo
Deposit HK$632K · loan HK$5.69M · min. income ≈ HK$60,818/mo (50% DSR)
Upfront cash ≈ HK$799K (deposit + AVD stamp duty HK$166,826 · 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).