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$14,460
−HK$907/mo
▼ 0.25% · 3.875%
HK$14,910
−HK$457/mo
Today · 4.125%
HK$15,367
baseline
▲ 0.50% · 4.625%
HK$16,302
+HK$935/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$30,734/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$169,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,087
−HK$869/mo
▼ 0.25% · 3.875%
HK$16,518
−HK$438/mo
Today · 4.125%
HK$16,956
baseline
▲ 0.50% · 4.625%
HK$17,850
+HK$894/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$33,912/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$169,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,352
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$17,892
−HK$548/mo
Today · 4.125%
HK$18,440
baseline
▲ 0.50% · 4.625%
HK$19,563
+HK$1,123/mo
Deposit HK$2.54M · loan HK$3.80M · min. income ≈ HK$36,880/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$169,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,304
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$19,822
−HK$525/mo
Today · 4.125%
HK$20,347
baseline
▲ 0.50% · 4.625%
HK$21,420
+HK$1,073/mo
Deposit HK$2.54M · loan HK$3.80M · min. income ≈ HK$40,694/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$169,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,244
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,874
−HK$640/mo
Today · 4.125%
HK$21,514
baseline
▲ 0.50% · 4.625%
HK$22,823
+HK$1,309/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$43,028/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$169,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,522
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$23,126
−HK$612/mo
Today · 4.125%
HK$23,738
baseline
▲ 0.50% · 4.625%
HK$24,990
+HK$1,252/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$47,476/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$169,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,029
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$26,838
−HK$823/mo
Today · 4.125%
HK$27,661
baseline
▲ 0.50% · 4.625%
HK$29,344
+HK$1,683/mo
Deposit HK$634K · loan HK$5.71M · min. income ≈ HK$55,322/mo (50% DSR)
Upfront cash ≈ HK$803K (deposit + AVD stamp duty HK$169,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,956
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$29,733
−HK$788/mo
Today · 4.125%
HK$30,521
baseline
▲ 0.50% · 4.625%
HK$32,130
+HK$1,609/mo
Deposit HK$634K · loan HK$5.71M · min. income ≈ HK$61,042/mo (50% DSR)
Upfront cash ≈ HK$803K (deposit + AVD stamp duty HK$169,152 · 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).