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$14,926
−HK$457/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$169,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,104
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,536
−HK$438/mo
Today · 4.125%
HK$16,974
baseline
▲ 0.50% · 4.625%
HK$17,868
+HK$894/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$33,948/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$169,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,370
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$17,911
−HK$549/mo
Today · 4.125%
HK$18,460
baseline
▲ 0.50% · 4.625%
HK$19,583
+HK$1,123/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$36,920/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$169,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,324
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$19,843
−HK$525/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$169,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,265
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$20,896
−HK$640/mo
Today · 4.125%
HK$21,536
baseline
▲ 0.50% · 4.625%
HK$22,847
+HK$1,311/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$169,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,545
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$23,150
−HK$613/mo
Today · 4.125%
HK$23,763
baseline
▲ 0.50% · 4.625%
HK$25,016
+HK$1,253/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$169,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,056
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$26,866
−HK$824/mo
Today · 4.125%
HK$27,690
baseline
▲ 0.50% · 4.625%
HK$29,374
+HK$1,684/mo
Deposit HK$635K · loan HK$5.71M · min. income ≈ HK$55,380/mo (50% DSR)
Upfront cash ≈ HK$805K (deposit + AVD stamp duty HK$169,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,987
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,764
−HK$789/mo
Today · 4.125%
HK$30,553
baseline
▲ 0.50% · 4.625%
HK$32,163
+HK$1,610/mo
Deposit HK$635K · loan HK$5.71M · min. income ≈ HK$61,106/mo (50% DSR)
Upfront cash ≈ HK$805K (deposit + AVD stamp duty HK$169,812 · 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).