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$14,453
−HK$906/mo
▼ 0.25% · 3.875%
HK$14,903
−HK$456/mo
Today · 4.125%
HK$15,359
baseline
▲ 0.50% · 4.625%
HK$16,294
+HK$935/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$30,718/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$168,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,079
−HK$868/mo
▼ 0.25% · 3.875%
HK$16,510
−HK$437/mo
Today · 4.125%
HK$16,947
baseline
▲ 0.50% · 4.625%
HK$17,841
+HK$894/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$33,894/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$168,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,344
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$17,883
−HK$548/mo
Today · 4.125%
HK$18,431
baseline
▲ 0.50% · 4.625%
HK$19,553
+HK$1,122/mo
Deposit HK$2.54M · loan HK$3.80M · min. income ≈ HK$36,862/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$168,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,295
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$19,812
−HK$525/mo
Today · 4.125%
HK$20,337
baseline
▲ 0.50% · 4.625%
HK$21,409
+HK$1,072/mo
Deposit HK$2.54M · loan HK$3.80M · min. income ≈ HK$40,674/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$168,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,234
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$20,864
−HK$639/mo
Today · 4.125%
HK$21,503
baseline
▲ 0.50% · 4.625%
HK$22,811
+HK$1,308/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$43,006/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$168,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,510
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$23,114
−HK$612/mo
Today · 4.125%
HK$23,726
baseline
▲ 0.50% · 4.625%
HK$24,977
+HK$1,251/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$47,452/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$168,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,015
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$26,825
−HK$822/mo
Today · 4.125%
HK$27,647
baseline
▲ 0.50% · 4.625%
HK$29,329
+HK$1,682/mo
Deposit HK$634K · loan HK$5.70M · min. income ≈ HK$55,294/mo (50% DSR)
Upfront cash ≈ HK$803K (deposit + AVD stamp duty HK$168,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,942
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$29,718
−HK$787/mo
Today · 4.125%
HK$30,505
baseline
▲ 0.50% · 4.625%
HK$32,113
+HK$1,608/mo
Deposit HK$634K · loan HK$5.70M · min. income ≈ HK$61,010/mo (50% DSR)
Upfront cash ≈ HK$803K (deposit + AVD stamp duty HK$168,831 · 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).