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$14,471
−HK$907/mo
▼ 0.25% · 3.875%
HK$14,921
−HK$457/mo
Today · 4.125%
HK$15,378
baseline
▲ 0.50% · 4.625%
HK$16,314
+HK$936/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$30,756/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$169,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,098
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,530
−HK$438/mo
Today · 4.125%
HK$16,968
baseline
▲ 0.50% · 4.625%
HK$17,863
+HK$895/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$33,936/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$169,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,365
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$17,905
−HK$549/mo
Today · 4.125%
HK$18,454
baseline
▲ 0.50% · 4.625%
HK$19,577
+HK$1,123/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$36,908/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$169,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,318
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$19,836
−HK$526/mo
Today · 4.125%
HK$20,362
baseline
▲ 0.50% · 4.625%
HK$21,435
+HK$1,073/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$40,724/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$169,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,259
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,889
−HK$640/mo
Today · 4.125%
HK$21,529
baseline
▲ 0.50% · 4.625%
HK$22,839
+HK$1,310/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$43,058/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$169,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,538
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$23,142
−HK$614/mo
Today · 4.125%
HK$23,756
baseline
▲ 0.50% · 4.625%
HK$25,008
+HK$1,252/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$47,512/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$169,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,047
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$26,857
−HK$824/mo
Today · 4.125%
HK$27,681
baseline
▲ 0.50% · 4.625%
HK$29,365
+HK$1,684/mo
Deposit HK$635K · loan HK$5.71M · min. income ≈ HK$55,362/mo (50% DSR)
Upfront cash ≈ HK$804K (deposit + AVD stamp duty HK$169,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,977
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,754
−HK$789/mo
Today · 4.125%
HK$30,543
baseline
▲ 0.50% · 4.625%
HK$32,153
+HK$1,610/mo
Deposit HK$635K · loan HK$5.71M · min. income ≈ HK$61,086/mo (50% DSR)
Upfront cash ≈ HK$804K (deposit + AVD stamp duty HK$169,608 · 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).