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$14,456
−HK$907/mo
▼ 0.25% · 3.875%
HK$14,906
−HK$457/mo
Today · 4.125%
HK$15,363
baseline
▲ 0.50% · 4.625%
HK$16,297
+HK$934/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$30,726/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$168,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,082
−HK$869/mo
▼ 0.25% · 3.875%
HK$16,514
−HK$437/mo
Today · 4.125%
HK$16,951
baseline
▲ 0.50% · 4.625%
HK$17,845
+HK$894/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$33,902/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$168,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,347
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$17,887
−HK$548/mo
Today · 4.125%
HK$18,435
baseline
▲ 0.50% · 4.625%
HK$19,557
+HK$1,122/mo
Deposit HK$2.54M · loan HK$3.80M · min. income ≈ HK$36,870/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$168,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,299
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$19,816
−HK$525/mo
Today · 4.125%
HK$20,341
baseline
▲ 0.50% · 4.625%
HK$21,414
+HK$1,073/mo
Deposit HK$2.54M · loan HK$3.80M · min. income ≈ HK$40,682/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$168,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,239
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$20,868
−HK$640/mo
Today · 4.125%
HK$21,508
baseline
▲ 0.50% · 4.625%
HK$22,816
+HK$1,308/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$43,016/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$168,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,515
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$23,119
−HK$613/mo
Today · 4.125%
HK$23,732
baseline
▲ 0.50% · 4.625%
HK$24,983
+HK$1,251/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$47,464/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$168,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,021
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$26,830
−HK$823/mo
Today · 4.125%
HK$27,653
baseline
▲ 0.50% · 4.625%
HK$29,335
+HK$1,682/mo
Deposit HK$634K · loan HK$5.71M · min. income ≈ HK$55,306/mo (50% DSR)
Upfront cash ≈ HK$803K (deposit + AVD stamp duty HK$168,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,948
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$29,724
−HK$788/mo
Today · 4.125%
HK$30,512
baseline
▲ 0.50% · 4.625%
HK$32,120
+HK$1,608/mo
Deposit HK$634K · loan HK$5.71M · min. income ≈ HK$61,024/mo (50% DSR)
Upfront cash ≈ HK$803K (deposit + AVD stamp duty HK$168,969 · 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).