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$14,468
−HK$907/mo
▼ 0.25% · 3.875%
HK$14,918
−HK$457/mo
Today · 4.125%
HK$15,375
baseline
▲ 0.50% · 4.625%
HK$16,310
+HK$935/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$30,750/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$169,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,095
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,527
−HK$438/mo
Today · 4.125%
HK$16,965
baseline
▲ 0.50% · 4.625%
HK$17,859
+HK$894/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$33,930/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$169,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,361
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$17,901
−HK$549/mo
Today · 4.125%
HK$18,450
baseline
▲ 0.50% · 4.625%
HK$19,572
+HK$1,122/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$36,900/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$169,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,314
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$19,832
−HK$526/mo
Today · 4.125%
HK$20,358
baseline
▲ 0.50% · 4.625%
HK$21,431
+HK$1,073/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$40,716/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$169,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,255
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,885
−HK$640/mo
Today · 4.125%
HK$21,525
baseline
▲ 0.50% · 4.625%
HK$22,835
+HK$1,310/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$43,050/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$169,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,533
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$23,137
−HK$613/mo
Today · 4.125%
HK$23,750
baseline
▲ 0.50% · 4.625%
HK$25,002
+HK$1,252/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$47,500/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$169,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,042
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$26,852
−HK$823/mo
Today · 4.125%
HK$27,675
baseline
▲ 0.50% · 4.625%
HK$29,359
+HK$1,684/mo
Deposit HK$634K · loan HK$5.71M · min. income ≈ HK$55,350/mo (50% DSR)
Upfront cash ≈ HK$804K (deposit + AVD stamp duty HK$169,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,971
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$29,748
−HK$788/mo
Today · 4.125%
HK$30,536
baseline
▲ 0.50% · 4.625%
HK$32,146
+HK$1,610/mo
Deposit HK$634K · loan HK$5.71M · min. income ≈ HK$61,072/mo (50% DSR)
Upfront cash ≈ HK$804K (deposit + AVD stamp duty HK$169,473 · 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).