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$14,465
−HK$907/mo
▼ 0.25% · 3.875%
HK$14,915
−HK$457/mo
Today · 4.125%
HK$15,372
baseline
▲ 0.50% · 4.625%
HK$16,308
+HK$936/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$30,744/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$169,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,092
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,524
−HK$438/mo
Today · 4.125%
HK$16,962
baseline
▲ 0.50% · 4.625%
HK$17,856
+HK$894/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$33,924/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$169,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,358
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$17,898
−HK$549/mo
Today · 4.125%
HK$18,447
baseline
▲ 0.50% · 4.625%
HK$19,569
+HK$1,122/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$36,894/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$169,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,311
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$19,829
−HK$525/mo
Today · 4.125%
HK$20,354
baseline
▲ 0.50% · 4.625%
HK$21,427
+HK$1,073/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$40,708/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$169,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,251
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,881
−HK$640/mo
Today · 4.125%
HK$21,521
baseline
▲ 0.50% · 4.625%
HK$22,831
+HK$1,310/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$43,042/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$169,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,529
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$23,134
−HK$613/mo
Today · 4.125%
HK$23,747
baseline
▲ 0.50% · 4.625%
HK$24,998
+HK$1,251/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$47,494/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$169,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,038
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$26,847
−HK$823/mo
Today · 4.125%
HK$27,670
baseline
▲ 0.50% · 4.625%
HK$29,354
+HK$1,684/mo
Deposit HK$634K · loan HK$5.71M · min. income ≈ HK$55,340/mo (50% DSR)
Upfront cash ≈ HK$804K (deposit + AVD stamp duty HK$169,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,966
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$29,743
−HK$788/mo
Today · 4.125%
HK$30,531
baseline
▲ 0.50% · 4.625%
HK$32,141
+HK$1,610/mo
Deposit HK$634K · loan HK$5.71M · min. income ≈ HK$61,062/mo (50% DSR)
Upfront cash ≈ HK$804K (deposit + AVD stamp duty HK$169,372 · 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).