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$14,479
−HK$908/mo
▼ 0.25% · 3.875%
HK$14,929
−HK$458/mo
Today · 4.125%
HK$15,387
baseline
▲ 0.50% · 4.625%
HK$16,323
+HK$936/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$30,774/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$169,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,107
−HK$871/mo
▼ 0.25% · 3.875%
HK$16,539
−HK$439/mo
Today · 4.125%
HK$16,978
baseline
▲ 0.50% · 4.625%
HK$17,872
+HK$894/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$33,956/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$169,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,374
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$17,915
−HK$549/mo
Today · 4.125%
HK$18,464
baseline
▲ 0.50% · 4.625%
HK$19,587
+HK$1,123/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$36,928/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$169,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,329
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$19,847
−HK$526/mo
Today · 4.125%
HK$20,373
baseline
▲ 0.50% · 4.625%
HK$21,447
+HK$1,074/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$40,746/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$169,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,270
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$20,901
−HK$640/mo
Today · 4.125%
HK$21,541
baseline
▲ 0.50% · 4.625%
HK$22,852
+HK$1,311/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$43,082/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$169,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,550
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,155
−HK$614/mo
Today · 4.125%
HK$23,769
baseline
▲ 0.50% · 4.625%
HK$25,021
+HK$1,252/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$47,538/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$169,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,062
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$26,872
−HK$824/mo
Today · 4.125%
HK$27,696
baseline
▲ 0.50% · 4.625%
HK$29,381
+HK$1,685/mo
Deposit HK$635K · loan HK$5.71M · min. income ≈ HK$55,392/mo (50% DSR)
Upfront cash ≈ HK$805K (deposit + AVD stamp duty HK$169,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,993
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$29,771
−HK$789/mo
Today · 4.125%
HK$30,560
baseline
▲ 0.50% · 4.625%
HK$32,170
+HK$1,610/mo
Deposit HK$635K · loan HK$5.71M · min. income ≈ HK$61,120/mo (50% DSR)
Upfront cash ≈ HK$805K (deposit + AVD stamp duty HK$169,957 · 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).