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$14,454
−HK$906/mo
▼ 0.25% · 3.875%
HK$14,903
−HK$457/mo
Today · 4.125%
HK$15,360
baseline
▲ 0.50% · 4.625%
HK$16,295
+HK$935/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$30,720/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$168,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,079
−HK$869/mo
▼ 0.25% · 3.875%
HK$16,511
−HK$437/mo
Today · 4.125%
HK$16,948
baseline
▲ 0.50% · 4.625%
HK$17,842
+HK$894/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$33,896/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$168,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,344
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$17,884
−HK$548/mo
Today · 4.125%
HK$18,432
baseline
▲ 0.50% · 4.625%
HK$19,553
+HK$1,121/mo
Deposit HK$2.54M · loan HK$3.80M · min. income ≈ HK$36,864/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$168,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,295
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$19,813
−HK$525/mo
Today · 4.125%
HK$20,338
baseline
▲ 0.50% · 4.625%
HK$21,410
+HK$1,072/mo
Deposit HK$2.54M · loan HK$3.80M · min. income ≈ HK$40,676/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$168,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,235
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$20,864
−HK$640/mo
Today · 4.125%
HK$21,504
baseline
▲ 0.50% · 4.625%
HK$22,812
+HK$1,308/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$43,008/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$168,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,511
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$23,115
−HK$612/mo
Today · 4.125%
HK$23,727
baseline
▲ 0.50% · 4.625%
HK$24,978
+HK$1,251/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$47,454/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$168,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,016
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$26,826
−HK$822/mo
Today · 4.125%
HK$27,648
baseline
▲ 0.50% · 4.625%
HK$29,330
+HK$1,682/mo
Deposit HK$634K · loan HK$5.70M · min. income ≈ HK$55,296/mo (50% DSR)
Upfront cash ≈ HK$803K (deposit + AVD stamp duty HK$168,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,943
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$29,719
−HK$788/mo
Today · 4.125%
HK$30,507
baseline
▲ 0.50% · 4.625%
HK$32,115
+HK$1,608/mo
Deposit HK$634K · loan HK$5.70M · min. income ≈ HK$61,014/mo (50% DSR)
Upfront cash ≈ HK$803K (deposit + AVD stamp duty HK$168,858 · 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).