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$14,457
−HK$906/mo
▼ 0.25% · 3.875%
HK$14,906
−HK$457/mo
Today · 4.125%
HK$15,363
baseline
▲ 0.50% · 4.625%
HK$16,298
+HK$935/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$30,726/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$168,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,083
−HK$869/mo
▼ 0.25% · 3.875%
HK$16,514
−HK$438/mo
Today · 4.125%
HK$16,952
baseline
▲ 0.50% · 4.625%
HK$17,845
+HK$893/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$33,904/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$168,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,348
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$17,888
−HK$548/mo
Today · 4.125%
HK$18,436
baseline
▲ 0.50% · 4.625%
HK$19,558
+HK$1,122/mo
Deposit HK$2.54M · loan HK$3.80M · min. income ≈ HK$36,872/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$168,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,299
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$19,817
−HK$525/mo
Today · 4.125%
HK$20,342
baseline
▲ 0.50% · 4.625%
HK$21,414
+HK$1,072/mo
Deposit HK$2.54M · loan HK$3.80M · min. income ≈ HK$40,684/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$168,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,239
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,869
−HK$640/mo
Today · 4.125%
HK$21,509
baseline
▲ 0.50% · 4.625%
HK$22,817
+HK$1,308/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$43,018/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$168,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,516
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$23,120
−HK$613/mo
Today · 4.125%
HK$23,733
baseline
▲ 0.50% · 4.625%
HK$24,983
+HK$1,250/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$47,466/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$168,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,022
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$26,831
−HK$823/mo
Today · 4.125%
HK$27,654
baseline
▲ 0.50% · 4.625%
HK$29,336
+HK$1,682/mo
Deposit HK$634K · loan HK$5.71M · min. income ≈ HK$55,308/mo (50% DSR)
Upfront cash ≈ HK$803K (deposit + AVD stamp duty HK$168,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,949
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$29,726
−HK$787/mo
Today · 4.125%
HK$30,513
baseline
▲ 0.50% · 4.625%
HK$32,122
+HK$1,609/mo
Deposit HK$634K · loan HK$5.71M · min. income ≈ HK$61,026/mo (50% DSR)
Upfront cash ≈ HK$803K (deposit + AVD stamp duty HK$168,993 · 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).