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$14,475
−HK$908/mo
▼ 0.25% · 3.875%
HK$14,925
−HK$458/mo
Today · 4.125%
HK$15,383
baseline
▲ 0.50% · 4.625%
HK$16,319
+HK$936/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$30,766/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$169,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,103
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,535
−HK$438/mo
Today · 4.125%
HK$16,973
baseline
▲ 0.50% · 4.625%
HK$17,868
+HK$895/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$33,946/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$169,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,370
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$17,910
−HK$549/mo
Today · 4.125%
HK$18,459
baseline
▲ 0.50% · 4.625%
HK$19,583
+HK$1,124/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$36,918/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$169,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,324
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$19,842
−HK$526/mo
Today · 4.125%
HK$20,368
baseline
▲ 0.50% · 4.625%
HK$21,442
+HK$1,074/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$40,736/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$169,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,265
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$20,895
−HK$641/mo
Today · 4.125%
HK$21,536
baseline
▲ 0.50% · 4.625%
HK$22,846
+HK$1,310/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$43,072/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$169,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,545
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$23,149
−HK$614/mo
Today · 4.125%
HK$23,763
baseline
▲ 0.50% · 4.625%
HK$25,015
+HK$1,252/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$47,526/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$169,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,055
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$26,866
−HK$823/mo
Today · 4.125%
HK$27,689
baseline
▲ 0.50% · 4.625%
HK$29,374
+HK$1,685/mo
Deposit HK$635K · loan HK$5.71M · min. income ≈ HK$55,378/mo (50% DSR)
Upfront cash ≈ HK$805K (deposit + AVD stamp duty HK$169,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,986
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,763
−HK$789/mo
Today · 4.125%
HK$30,552
baseline
▲ 0.50% · 4.625%
HK$32,162
+HK$1,610/mo
Deposit HK$635K · loan HK$5.71M · min. income ≈ HK$61,104/mo (50% DSR)
Upfront cash ≈ HK$805K (deposit + AVD stamp duty HK$169,799 · 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).