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$14,461
−HK$907/mo
▼ 0.25% · 3.875%
HK$14,911
−HK$457/mo
Today · 4.125%
HK$15,368
baseline
▲ 0.50% · 4.625%
HK$16,303
+HK$935/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$30,736/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$169,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,088
−HK$869/mo
▼ 0.25% · 3.875%
HK$16,519
−HK$438/mo
Today · 4.125%
HK$16,957
baseline
▲ 0.50% · 4.625%
HK$17,851
+HK$894/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$33,914/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$169,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,353
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$17,893
−HK$548/mo
Today · 4.125%
HK$18,441
baseline
▲ 0.50% · 4.625%
HK$19,564
+HK$1,123/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$36,882/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$169,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,305
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$19,823
−HK$525/mo
Today · 4.125%
HK$20,348
baseline
▲ 0.50% · 4.625%
HK$21,421
+HK$1,073/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$40,696/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$169,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,245
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,875
−HK$640/mo
Today · 4.125%
HK$21,515
baseline
▲ 0.50% · 4.625%
HK$22,824
+HK$1,309/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$43,030/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$169,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,523
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$23,127
−HK$613/mo
Today · 4.125%
HK$23,740
baseline
▲ 0.50% · 4.625%
HK$24,991
+HK$1,251/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$47,480/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$169,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,030
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$26,840
−HK$822/mo
Today · 4.125%
HK$27,662
baseline
▲ 0.50% · 4.625%
HK$29,345
+HK$1,683/mo
Deposit HK$634K · loan HK$5.71M · min. income ≈ HK$55,324/mo (50% DSR)
Upfront cash ≈ HK$803K (deposit + AVD stamp duty HK$169,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,958
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$29,735
−HK$787/mo
Today · 4.125%
HK$30,522
baseline
▲ 0.50% · 4.625%
HK$32,131
+HK$1,609/mo
Deposit HK$634K · loan HK$5.71M · min. income ≈ HK$61,044/mo (50% DSR)
Upfront cash ≈ HK$803K (deposit + AVD stamp duty HK$169,184 · 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).