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$14,464
−HK$907/mo
▼ 0.25% · 3.875%
HK$14,914
−HK$457/mo
Today · 4.125%
HK$15,371
baseline
▲ 0.50% · 4.625%
HK$16,306
+HK$935/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$30,742/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$169,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,091
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,523
−HK$438/mo
Today · 4.125%
HK$16,961
baseline
▲ 0.50% · 4.625%
HK$17,855
+HK$894/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$33,922/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$169,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,357
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$17,897
−HK$548/mo
Today · 4.125%
HK$18,445
baseline
▲ 0.50% · 4.625%
HK$19,568
+HK$1,123/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$36,890/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$169,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,309
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$19,827
−HK$526/mo
Today · 4.125%
HK$20,353
baseline
▲ 0.50% · 4.625%
HK$21,425
+HK$1,072/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$40,706/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$169,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,250
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,880
−HK$640/mo
Today · 4.125%
HK$21,520
baseline
▲ 0.50% · 4.625%
HK$22,829
+HK$1,309/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$43,040/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$169,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,528
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$23,132
−HK$613/mo
Today · 4.125%
HK$23,745
baseline
▲ 0.50% · 4.625%
HK$24,996
+HK$1,251/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$47,490/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$169,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,035
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$26,845
−HK$823/mo
Today · 4.125%
HK$27,668
baseline
▲ 0.50% · 4.625%
HK$29,352
+HK$1,684/mo
Deposit HK$634K · loan HK$5.71M · min. income ≈ HK$55,336/mo (50% DSR)
Upfront cash ≈ HK$804K (deposit + AVD stamp duty HK$169,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,964
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$29,741
−HK$788/mo
Today · 4.125%
HK$30,529
baseline
▲ 0.50% · 4.625%
HK$32,138
+HK$1,609/mo
Deposit HK$634K · loan HK$5.71M · min. income ≈ HK$61,058/mo (50% DSR)
Upfront cash ≈ HK$804K (deposit + AVD stamp duty HK$169,319 · 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).