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$14,479
−HK$908/mo
▼ 0.25% · 3.875%
HK$14,930
−HK$457/mo
Today · 4.125%
HK$15,387
baseline
▲ 0.50% · 4.625%
HK$16,324
+HK$937/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$30,774/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$169,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,108
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,540
−HK$438/mo
Today · 4.125%
HK$16,978
baseline
▲ 0.50% · 4.625%
HK$17,873
+HK$895/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$33,956/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$169,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,375
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$17,916
−HK$549/mo
Today · 4.125%
HK$18,465
baseline
▲ 0.50% · 4.625%
HK$19,588
+HK$1,123/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$36,930/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$169,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,330
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$19,848
−HK$526/mo
Today · 4.125%
HK$20,374
baseline
▲ 0.50% · 4.625%
HK$21,448
+HK$1,074/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$40,748/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$169,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,271
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$20,902
−HK$640/mo
Today · 4.125%
HK$21,542
baseline
▲ 0.50% · 4.625%
HK$22,853
+HK$1,311/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$43,084/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$169,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,551
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,156
−HK$614/mo
Today · 4.125%
HK$23,770
baseline
▲ 0.50% · 4.625%
HK$25,023
+HK$1,253/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$47,540/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$169,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,063
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$26,874
−HK$823/mo
Today · 4.125%
HK$27,697
baseline
▲ 0.50% · 4.625%
HK$29,382
+HK$1,685/mo
Deposit HK$635K · loan HK$5.71M · min. income ≈ HK$55,394/mo (50% DSR)
Upfront cash ≈ HK$805K (deposit + AVD stamp duty HK$169,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,995
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,772
−HK$789/mo
Today · 4.125%
HK$30,561
baseline
▲ 0.50% · 4.625%
HK$32,172
+HK$1,611/mo
Deposit HK$635K · loan HK$5.71M · min. income ≈ HK$61,122/mo (50% DSR)
Upfront cash ≈ HK$805K (deposit + AVD stamp duty HK$169,988 · 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).