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$14,472
−HK$908/mo
▼ 0.25% · 3.875%
HK$14,922
−HK$458/mo
Today · 4.125%
HK$15,380
baseline
▲ 0.50% · 4.625%
HK$16,316
+HK$936/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$30,760/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$169,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,100
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,532
−HK$438/mo
Today · 4.125%
HK$16,970
baseline
▲ 0.50% · 4.625%
HK$17,865
+HK$895/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$33,940/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$169,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,367
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$17,907
−HK$549/mo
Today · 4.125%
HK$18,456
baseline
▲ 0.50% · 4.625%
HK$19,579
+HK$1,123/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$36,912/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$169,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,320
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$19,838
−HK$526/mo
Today · 4.125%
HK$20,364
baseline
▲ 0.50% · 4.625%
HK$21,437
+HK$1,073/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$40,728/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$169,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,261
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$20,891
−HK$641/mo
Today · 4.125%
HK$21,532
baseline
▲ 0.50% · 4.625%
HK$22,842
+HK$1,310/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$43,064/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$169,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,540
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$23,145
−HK$613/mo
Today · 4.125%
HK$23,758
baseline
▲ 0.50% · 4.625%
HK$25,010
+HK$1,252/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$47,516/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$169,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,050
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$26,860
−HK$824/mo
Today · 4.125%
HK$27,684
baseline
▲ 0.50% · 4.625%
HK$29,368
+HK$1,684/mo
Deposit HK$635K · loan HK$5.71M · min. income ≈ HK$55,368/mo (50% DSR)
Upfront cash ≈ HK$804K (deposit + AVD stamp duty HK$169,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,980
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,758
−HK$788/mo
Today · 4.125%
HK$30,546
baseline
▲ 0.50% · 4.625%
HK$32,156
+HK$1,610/mo
Deposit HK$635K · loan HK$5.71M · min. income ≈ HK$61,092/mo (50% DSR)
Upfront cash ≈ HK$804K (deposit + AVD stamp duty HK$169,676 · 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).