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$906/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$169,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,086
−HK$869/mo
▼ 0.25% · 3.875%
HK$16,518
−HK$437/mo
Today · 4.125%
HK$16,955
baseline
▲ 0.50% · 4.625%
HK$17,849
+HK$894/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$169,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,352
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$17,891
−HK$549/mo
Today · 4.125%
HK$18,440
baseline
▲ 0.50% · 4.625%
HK$19,562
+HK$1,122/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$169,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,304
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$19,821
−HK$525/mo
Today · 4.125%
HK$20,346
baseline
▲ 0.50% · 4.625%
HK$21,419
+HK$1,073/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$169,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,244
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$20,873
−HK$640/mo
Today · 4.125%
HK$21,513
baseline
▲ 0.50% · 4.625%
HK$22,822
+HK$1,309/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$43,026/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$169,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,521
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$23,125
−HK$613/mo
Today · 4.125%
HK$23,738
baseline
▲ 0.50% · 4.625%
HK$24,989
+HK$1,251/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$169,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,027
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$26,837
−HK$823/mo
Today · 4.125%
HK$27,660
baseline
▲ 0.50% · 4.625%
HK$29,343
+HK$1,683/mo
Deposit HK$634K · loan HK$5.71M · min. income ≈ HK$55,320/mo (50% DSR)
Upfront cash ≈ HK$803K (deposit + AVD stamp duty HK$169,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,955
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$29,732
−HK$788/mo
Today · 4.125%
HK$30,520
baseline
▲ 0.50% · 4.625%
HK$32,128
+HK$1,608/mo
Deposit HK$634K · loan HK$5.71M · min. income ≈ HK$61,040/mo (50% DSR)
Upfront cash ≈ HK$803K (deposit + AVD stamp duty HK$169,127 · 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).