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$14,455
−HK$907/mo
▼ 0.25% · 3.875%
HK$14,905
−HK$457/mo
Today · 4.125%
HK$15,362
baseline
▲ 0.50% · 4.625%
HK$16,297
+HK$935/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$30,724/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$168,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,082
−HK$868/mo
▼ 0.25% · 3.875%
HK$16,513
−HK$437/mo
Today · 4.125%
HK$16,950
baseline
▲ 0.50% · 4.625%
HK$17,844
+HK$894/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$33,900/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$168,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,347
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$17,886
−HK$548/mo
Today · 4.125%
HK$18,434
baseline
▲ 0.50% · 4.625%
HK$19,556
+HK$1,122/mo
Deposit HK$2.54M · loan HK$3.80M · min. income ≈ HK$36,868/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$168,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,298
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$19,815
−HK$526/mo
Today · 4.125%
HK$20,341
baseline
▲ 0.50% · 4.625%
HK$21,413
+HK$1,072/mo
Deposit HK$2.54M · loan HK$3.80M · min. income ≈ HK$40,682/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$168,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,238
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$20,867
−HK$640/mo
Today · 4.125%
HK$21,507
baseline
▲ 0.50% · 4.625%
HK$22,815
+HK$1,308/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$43,014/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$168,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,514
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$23,118
−HK$613/mo
Today · 4.125%
HK$23,731
baseline
▲ 0.50% · 4.625%
HK$24,981
+HK$1,250/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$47,462/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$168,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,020
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$26,829
−HK$823/mo
Today · 4.125%
HK$27,652
baseline
▲ 0.50% · 4.625%
HK$29,334
+HK$1,682/mo
Deposit HK$634K · loan HK$5.71M · min. income ≈ HK$55,304/mo (50% DSR)
Upfront cash ≈ HK$803K (deposit + AVD stamp duty HK$168,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,947
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$29,723
−HK$788/mo
Today · 4.125%
HK$30,511
baseline
▲ 0.50% · 4.625%
HK$32,119
+HK$1,608/mo
Deposit HK$634K · loan HK$5.71M · min. income ≈ HK$61,022/mo (50% DSR)
Upfront cash ≈ HK$803K (deposit + AVD stamp duty HK$168,942 · 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).