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$14,473
−HK$908/mo
▼ 0.25% · 3.875%
HK$14,923
−HK$458/mo
Today · 4.125%
HK$15,381
baseline
▲ 0.50% · 4.625%
HK$16,316
+HK$935/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$30,762/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$169,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,101
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,533
−HK$438/mo
Today · 4.125%
HK$16,971
baseline
▲ 0.50% · 4.625%
HK$17,865
+HK$894/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$33,942/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$169,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,368
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$17,908
−HK$549/mo
Today · 4.125%
HK$18,457
baseline
▲ 0.50% · 4.625%
HK$19,580
+HK$1,123/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$36,914/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$169,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,321
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$19,839
−HK$526/mo
Today · 4.125%
HK$20,365
baseline
▲ 0.50% · 4.625%
HK$21,439
+HK$1,074/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$40,730/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$169,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,262
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$20,892
−HK$641/mo
Today · 4.125%
HK$21,533
baseline
▲ 0.50% · 4.625%
HK$22,843
+HK$1,310/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$43,066/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$169,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,541
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$23,146
−HK$613/mo
Today · 4.125%
HK$23,759
baseline
▲ 0.50% · 4.625%
HK$25,012
+HK$1,253/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$47,518/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$169,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,051
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$26,862
−HK$823/mo
Today · 4.125%
HK$27,685
baseline
▲ 0.50% · 4.625%
HK$29,369
+HK$1,684/mo
Deposit HK$635K · loan HK$5.71M · min. income ≈ HK$55,370/mo (50% DSR)
Upfront cash ≈ HK$804K (deposit + AVD stamp duty HK$169,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,982
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,759
−HK$789/mo
Today · 4.125%
HK$30,548
baseline
▲ 0.50% · 4.625%
HK$32,158
+HK$1,610/mo
Deposit HK$635K · loan HK$5.71M · min. income ≈ HK$61,096/mo (50% DSR)
Upfront cash ≈ HK$804K (deposit + AVD stamp duty HK$169,707 · 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).