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$14,478
−HK$907/mo
▼ 0.25% · 3.875%
HK$14,928
−HK$457/mo
Today · 4.125%
HK$15,385
baseline
▲ 0.50% · 4.625%
HK$16,322
+HK$937/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$30,770/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$169,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,106
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,538
−HK$438/mo
Today · 4.125%
HK$16,976
baseline
▲ 0.50% · 4.625%
HK$17,871
+HK$895/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$33,952/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$169,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,373
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$17,913
−HK$550/mo
Today · 4.125%
HK$18,463
baseline
▲ 0.50% · 4.625%
HK$19,586
+HK$1,123/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$36,926/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$169,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,327
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$19,846
−HK$526/mo
Today · 4.125%
HK$20,372
baseline
▲ 0.50% · 4.625%
HK$21,445
+HK$1,073/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$40,744/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$169,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,269
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$20,899
−HK$641/mo
Today · 4.125%
HK$21,540
baseline
▲ 0.50% · 4.625%
HK$22,850
+HK$1,310/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$43,080/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$169,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,549
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$23,153
−HK$614/mo
Today · 4.125%
HK$23,767
baseline
▲ 0.50% · 4.625%
HK$25,020
+HK$1,253/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$47,534/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$169,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,060
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$26,870
−HK$824/mo
Today · 4.125%
HK$27,694
baseline
▲ 0.50% · 4.625%
HK$29,379
+HK$1,685/mo
Deposit HK$635K · loan HK$5.71M · min. income ≈ HK$55,388/mo (50% DSR)
Upfront cash ≈ HK$805K (deposit + AVD stamp duty HK$169,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,991
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,769
−HK$788/mo
Today · 4.125%
HK$30,557
baseline
▲ 0.50% · 4.625%
HK$32,168
+HK$1,611/mo
Deposit HK$635K · loan HK$5.71M · min. income ≈ HK$61,114/mo (50% DSR)
Upfront cash ≈ HK$805K (deposit + AVD stamp duty HK$169,910 · 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).