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$907/mo
▼ 0.25% · 3.875%
HK$14,907
−HK$457/mo
Today · 4.125%
HK$15,364
baseline
▲ 0.50% · 4.625%
HK$16,298
+HK$934/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$30,728/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$169,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,083
−HK$869/mo
▼ 0.25% · 3.875%
HK$16,515
−HK$437/mo
Today · 4.125%
HK$16,952
baseline
▲ 0.50% · 4.625%
HK$17,846
+HK$894/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$169,007 · 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$2.71M (deposit + AVD stamp duty HK$169,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,300
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$19,817
−HK$526/mo
Today · 4.125%
HK$20,343
baseline
▲ 0.50% · 4.625%
HK$21,415
+HK$1,072/mo
Deposit HK$2.54M · loan HK$3.80M · min. income ≈ HK$40,686/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$169,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,240
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$20,869
−HK$640/mo
Today · 4.125%
HK$21,509
baseline
▲ 0.50% · 4.625%
HK$22,818
+HK$1,309/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$169,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,517
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$23,120
−HK$613/mo
Today · 4.125%
HK$23,733
baseline
▲ 0.50% · 4.625%
HK$24,984
+HK$1,251/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$169,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,023
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$26,832
−HK$822/mo
Today · 4.125%
HK$27,654
baseline
▲ 0.50% · 4.625%
HK$29,337
+HK$1,683/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$169,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,950
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$29,726
−HK$788/mo
Today · 4.125%
HK$30,514
baseline
▲ 0.50% · 4.625%
HK$32,122
+HK$1,608/mo
Deposit HK$634K · loan HK$5.71M · min. income ≈ HK$61,028/mo (50% DSR)
Upfront cash ≈ HK$803K (deposit + AVD stamp duty HK$169,007 · 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).