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$14,464
−HK$907/mo
▼ 0.25% · 3.875%
HK$14,914
−HK$457/mo
Today · 4.125%
HK$15,371
baseline
▲ 0.50% · 4.625%
HK$16,306
+HK$935/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$30,742/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$169,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,091
−HK$869/mo
▼ 0.25% · 3.875%
HK$16,522
−HK$438/mo
Today · 4.125%
HK$16,960
baseline
▲ 0.50% · 4.625%
HK$17,854
+HK$894/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$33,920/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$169,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,356
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$17,896
−HK$549/mo
Today · 4.125%
HK$18,445
baseline
▲ 0.50% · 4.625%
HK$19,567
+HK$1,122/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$36,890/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$169,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,309
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$19,827
−HK$525/mo
Today · 4.125%
HK$20,352
baseline
▲ 0.50% · 4.625%
HK$21,425
+HK$1,073/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$40,704/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$169,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,249
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,879
−HK$640/mo
Today · 4.125%
HK$21,519
baseline
▲ 0.50% · 4.625%
HK$22,828
+HK$1,309/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$43,038/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$169,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,527
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$23,131
−HK$613/mo
Today · 4.125%
HK$23,744
baseline
▲ 0.50% · 4.625%
HK$24,996
+HK$1,252/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$47,488/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$169,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,035
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$26,844
−HK$823/mo
Today · 4.125%
HK$27,667
baseline
▲ 0.50% · 4.625%
HK$29,351
+HK$1,684/mo
Deposit HK$634K · loan HK$5.71M · min. income ≈ HK$55,334/mo (50% DSR)
Upfront cash ≈ HK$804K (deposit + AVD stamp duty HK$169,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,963
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$29,740
−HK$788/mo
Today · 4.125%
HK$30,528
baseline
▲ 0.50% · 4.625%
HK$32,137
+HK$1,609/mo
Deposit HK$634K · loan HK$5.71M · min. income ≈ HK$61,056/mo (50% DSR)
Upfront cash ≈ HK$804K (deposit + AVD stamp duty HK$169,302 · 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).