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$168,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,081
−HK$869/mo
▼ 0.25% · 3.875%
HK$16,512
−HK$438/mo
Today · 4.125%
HK$16,950
baseline
▲ 0.50% · 4.625%
HK$17,843
+HK$893/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$33,900/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$168,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,346
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$17,885
−HK$549/mo
Today · 4.125%
HK$18,434
baseline
▲ 0.50% · 4.625%
HK$19,555
+HK$1,121/mo
Deposit HK$2.54M · loan HK$3.80M · min. income ≈ HK$36,868/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$168,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,297
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$19,815
−HK$525/mo
Today · 4.125%
HK$20,340
baseline
▲ 0.50% · 4.625%
HK$21,412
+HK$1,072/mo
Deposit HK$2.54M · loan HK$3.80M · min. income ≈ HK$40,680/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$168,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,237
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$20,866
−HK$640/mo
Today · 4.125%
HK$21,506
baseline
▲ 0.50% · 4.625%
HK$22,814
+HK$1,308/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$43,012/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$168,912 · 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$168,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,019
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$26,828
−HK$822/mo
Today · 4.125%
HK$27,650
baseline
▲ 0.50% · 4.625%
HK$29,333
+HK$1,683/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$168,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,946
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$29,722
−HK$787/mo
Today · 4.125%
HK$30,509
baseline
▲ 0.50% · 4.625%
HK$32,118
+HK$1,609/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$168,912 · 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).