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$14,455
−HK$906/mo
▼ 0.25% · 3.875%
HK$14,904
−HK$457/mo
Today · 4.125%
HK$15,361
baseline
▲ 0.50% · 4.625%
HK$16,296
+HK$935/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$30,722/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$168,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,081
−HK$868/mo
▼ 0.25% · 3.875%
HK$16,512
−HK$437/mo
Today · 4.125%
HK$16,949
baseline
▲ 0.50% · 4.625%
HK$17,843
+HK$894/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$33,898/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$168,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,346
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$17,885
−HK$548/mo
Today · 4.125%
HK$18,433
baseline
▲ 0.50% · 4.625%
HK$19,555
+HK$1,122/mo
Deposit HK$2.54M · loan HK$3.80M · min. income ≈ HK$36,866/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$168,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,297
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$19,814
−HK$525/mo
Today · 4.125%
HK$20,339
baseline
▲ 0.50% · 4.625%
HK$21,411
+HK$1,072/mo
Deposit HK$2.54M · loan HK$3.80M · min. income ≈ HK$40,678/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$168,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,236
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$20,866
−HK$639/mo
Today · 4.125%
HK$21,505
baseline
▲ 0.50% · 4.625%
HK$22,814
+HK$1,309/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$43,010/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$168,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,513
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$23,117
−HK$612/mo
Today · 4.125%
HK$23,729
baseline
▲ 0.50% · 4.625%
HK$24,980
+HK$1,251/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$47,458/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$168,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,018
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$26,828
−HK$822/mo
Today · 4.125%
HK$27,650
baseline
▲ 0.50% · 4.625%
HK$29,332
+HK$1,682/mo
Deposit HK$634K · loan HK$5.71M · min. income ≈ HK$55,300/mo (50% DSR)
Upfront cash ≈ HK$803K (deposit + AVD stamp duty HK$168,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,945
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$29,721
−HK$788/mo
Today · 4.125%
HK$30,509
baseline
▲ 0.50% · 4.625%
HK$32,117
+HK$1,608/mo
Deposit HK$634K · loan HK$5.71M · min. income ≈ HK$61,018/mo (50% DSR)
Upfront cash ≈ HK$803K (deposit + AVD stamp duty HK$168,902 · 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).