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$14,459
−HK$907/mo
▼ 0.25% · 3.875%
HK$14,909
−HK$457/mo
Today · 4.125%
HK$15,366
baseline
▲ 0.50% · 4.625%
HK$16,300
+HK$934/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$30,732/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$169,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,085
−HK$869/mo
▼ 0.25% · 3.875%
HK$16,517
−HK$437/mo
Today · 4.125%
HK$16,954
baseline
▲ 0.50% · 4.625%
HK$17,848
+HK$894/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$33,908/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$169,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,351
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$17,890
−HK$549/mo
Today · 4.125%
HK$18,439
baseline
▲ 0.50% · 4.625%
HK$19,561
+HK$1,122/mo
Deposit HK$2.54M · loan HK$3.80M · min. income ≈ HK$36,878/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$169,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,302
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$19,820
−HK$525/mo
Today · 4.125%
HK$20,345
baseline
▲ 0.50% · 4.625%
HK$21,418
+HK$1,073/mo
Deposit HK$2.54M · loan HK$3.80M · min. income ≈ HK$40,690/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$169,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,242
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,872
−HK$640/mo
Today · 4.125%
HK$21,512
baseline
▲ 0.50% · 4.625%
HK$22,821
+HK$1,309/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$43,024/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$169,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,519
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$23,123
−HK$613/mo
Today · 4.125%
HK$23,736
baseline
▲ 0.50% · 4.625%
HK$24,987
+HK$1,251/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$47,472/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$169,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,026
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$26,835
−HK$823/mo
Today · 4.125%
HK$27,658
baseline
▲ 0.50% · 4.625%
HK$29,341
+HK$1,683/mo
Deposit HK$634K · loan HK$5.71M · min. income ≈ HK$55,316/mo (50% DSR)
Upfront cash ≈ HK$803K (deposit + AVD stamp duty HK$169,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,954
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$29,730
−HK$788/mo
Today · 4.125%
HK$30,518
baseline
▲ 0.50% · 4.625%
HK$32,126
+HK$1,608/mo
Deposit HK$634K · loan HK$5.71M · min. income ≈ HK$61,036/mo (50% DSR)
Upfront cash ≈ HK$803K (deposit + AVD stamp duty HK$169,088 · 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).