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$14,459
−HK$907/mo
▼ 0.25% · 3.875%
HK$14,909
−HK$457/mo
Today · 4.125%
HK$15,366
baseline
▲ 0.50% · 4.625%
HK$16,301
+HK$935/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$30,732/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$169,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,086
−HK$869/mo
▼ 0.25% · 3.875%
HK$16,517
−HK$438/mo
Today · 4.125%
HK$16,955
baseline
▲ 0.50% · 4.625%
HK$17,848
+HK$893/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$33,910/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$169,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,351
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$17,891
−HK$548/mo
Today · 4.125%
HK$18,439
baseline
▲ 0.50% · 4.625%
HK$19,561
+HK$1,122/mo
Deposit HK$2.54M · loan HK$3.80M · min. income ≈ HK$36,878/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$169,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,303
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$19,820
−HK$526/mo
Today · 4.125%
HK$20,346
baseline
▲ 0.50% · 4.625%
HK$21,418
+HK$1,072/mo
Deposit HK$2.54M · loan HK$3.80M · min. income ≈ HK$40,692/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$169,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,243
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$20,872
−HK$640/mo
Today · 4.125%
HK$21,512
baseline
▲ 0.50% · 4.625%
HK$22,821
+HK$1,309/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$43,024/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$169,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,520
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$23,124
−HK$612/mo
Today · 4.125%
HK$23,736
baseline
▲ 0.50% · 4.625%
HK$24,988
+HK$1,252/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$47,472/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$169,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,026
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$26,836
−HK$822/mo
Today · 4.125%
HK$27,658
baseline
▲ 0.50% · 4.625%
HK$29,341
+HK$1,683/mo
Deposit HK$634K · loan HK$5.71M · min. income ≈ HK$55,316/mo (50% DSR)
Upfront cash ≈ HK$803K (deposit + AVD stamp duty HK$169,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,954
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$29,731
−HK$787/mo
Today · 4.125%
HK$30,518
baseline
▲ 0.50% · 4.625%
HK$32,127
+HK$1,609/mo
Deposit HK$634K · loan HK$5.71M · min. income ≈ HK$61,036/mo (50% DSR)
Upfront cash ≈ HK$803K (deposit + AVD stamp duty HK$169,098 · 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).