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$14,463
−HK$907/mo
▼ 0.25% · 3.875%
HK$14,913
−HK$457/mo
Today · 4.125%
HK$15,370
baseline
▲ 0.50% · 4.625%
HK$16,305
+HK$935/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$30,740/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$169,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,090
−HK$869/mo
▼ 0.25% · 3.875%
HK$16,521
−HK$438/mo
Today · 4.125%
HK$16,959
baseline
▲ 0.50% · 4.625%
HK$17,853
+HK$894/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$33,918/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$169,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,355
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$17,895
−HK$549/mo
Today · 4.125%
HK$18,444
baseline
▲ 0.50% · 4.625%
HK$19,566
+HK$1,122/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$36,888/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$169,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,308
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$19,826
−HK$525/mo
Today · 4.125%
HK$20,351
baseline
▲ 0.50% · 4.625%
HK$21,424
+HK$1,073/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$40,702/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$169,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,248
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,878
−HK$640/mo
Today · 4.125%
HK$21,518
baseline
▲ 0.50% · 4.625%
HK$22,827
+HK$1,309/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$43,036/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$169,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,526
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$23,130
−HK$613/mo
Today · 4.125%
HK$23,743
baseline
▲ 0.50% · 4.625%
HK$24,994
+HK$1,251/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$47,486/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$169,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,033
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$26,843
−HK$823/mo
Today · 4.125%
HK$27,666
baseline
▲ 0.50% · 4.625%
HK$29,349
+HK$1,683/mo
Deposit HK$634K · loan HK$5.71M · min. income ≈ HK$55,332/mo (50% DSR)
Upfront cash ≈ HK$804K (deposit + AVD stamp duty HK$169,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,962
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$29,738
−HK$788/mo
Today · 4.125%
HK$30,526
baseline
▲ 0.50% · 4.625%
HK$32,136
+HK$1,610/mo
Deposit HK$634K · loan HK$5.71M · min. income ≈ HK$61,052/mo (50% DSR)
Upfront cash ≈ HK$804K (deposit + AVD stamp duty HK$169,267 · 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).