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$14,466
−HK$907/mo
▼ 0.25% · 3.875%
HK$14,916
−HK$457/mo
Today · 4.125%
HK$15,373
baseline
▲ 0.50% · 4.625%
HK$16,309
+HK$936/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$30,746/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$169,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,093
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,525
−HK$438/mo
Today · 4.125%
HK$16,963
baseline
▲ 0.50% · 4.625%
HK$17,857
+HK$894/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$33,926/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$169,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,359
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$17,899
−HK$549/mo
Today · 4.125%
HK$18,448
baseline
▲ 0.50% · 4.625%
HK$19,570
+HK$1,122/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$36,896/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$169,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,312
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$19,830
−HK$525/mo
Today · 4.125%
HK$20,355
baseline
▲ 0.50% · 4.625%
HK$21,428
+HK$1,073/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$40,710/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$169,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,252
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,882
−HK$640/mo
Today · 4.125%
HK$21,522
baseline
▲ 0.50% · 4.625%
HK$22,832
+HK$1,310/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$43,044/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$169,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,531
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$23,135
−HK$613/mo
Today · 4.125%
HK$23,748
baseline
▲ 0.50% · 4.625%
HK$25,000
+HK$1,252/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$47,496/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$169,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,039
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$26,849
−HK$823/mo
Today · 4.125%
HK$27,672
baseline
▲ 0.50% · 4.625%
HK$29,355
+HK$1,683/mo
Deposit HK$634K · loan HK$5.71M · min. income ≈ HK$55,344/mo (50% DSR)
Upfront cash ≈ HK$804K (deposit + AVD stamp duty HK$169,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,968
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$29,745
−HK$788/mo
Today · 4.125%
HK$30,533
baseline
▲ 0.50% · 4.625%
HK$32,142
+HK$1,609/mo
Deposit HK$634K · loan HK$5.71M · min. income ≈ HK$61,066/mo (50% DSR)
Upfront cash ≈ HK$804K (deposit + AVD stamp duty HK$169,404 · 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).