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$907/mo
▼ 0.25% · 3.875%
HK$14,925
−HK$457/mo
Today · 4.125%
HK$15,382
baseline
▲ 0.50% · 4.625%
HK$16,318
+HK$936/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$30,764/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$169,788 · 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$169,788 · 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$19,582
+HK$1,123/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$169,788 · 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$21,441
+HK$1,073/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$169,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,265
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,895
−HK$640/mo
Today · 4.125%
HK$21,535
baseline
▲ 0.50% · 4.625%
HK$22,846
+HK$1,311/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$43,070/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$169,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,544
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$23,149
−HK$613/mo
Today · 4.125%
HK$23,762
baseline
▲ 0.50% · 4.625%
HK$25,015
+HK$1,253/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$47,524/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$169,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,055
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$26,865
−HK$823/mo
Today · 4.125%
HK$27,688
baseline
▲ 0.50% · 4.625%
HK$29,373
+HK$1,685/mo
Deposit HK$635K · loan HK$5.71M · min. income ≈ HK$55,376/mo (50% DSR)
Upfront cash ≈ HK$805K (deposit + AVD stamp duty HK$169,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,985
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,763
−HK$788/mo
Today · 4.125%
HK$30,551
baseline
▲ 0.50% · 4.625%
HK$32,162
+HK$1,611/mo
Deposit HK$635K · loan HK$5.71M · min. income ≈ HK$61,102/mo (50% DSR)
Upfront cash ≈ HK$805K (deposit + AVD stamp duty HK$169,788 · 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).