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$14,462
−HK$907/mo
▼ 0.25% · 3.875%
HK$14,912
−HK$457/mo
Today · 4.125%
HK$15,369
baseline
▲ 0.50% · 4.625%
HK$16,304
+HK$935/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$30,738/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$169,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,089
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,521
−HK$438/mo
Today · 4.125%
HK$16,959
baseline
▲ 0.50% · 4.625%
HK$17,852
+HK$893/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$169,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,355
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$17,895
−HK$548/mo
Today · 4.125%
HK$18,443
baseline
▲ 0.50% · 4.625%
HK$19,565
+HK$1,122/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$36,886/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$169,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,307
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$19,825
−HK$525/mo
Today · 4.125%
HK$20,350
baseline
▲ 0.50% · 4.625%
HK$21,423
+HK$1,073/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$40,700/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$169,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,247
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,877
−HK$640/mo
Today · 4.125%
HK$21,517
baseline
▲ 0.50% · 4.625%
HK$22,826
+HK$1,309/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$43,034/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$169,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,525
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$23,129
−HK$613/mo
Today · 4.125%
HK$23,742
baseline
▲ 0.50% · 4.625%
HK$24,993
+HK$1,251/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$47,484/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$169,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,032
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$26,842
−HK$823/mo
Today · 4.125%
HK$27,665
baseline
▲ 0.50% · 4.625%
HK$29,348
+HK$1,683/mo
Deposit HK$634K · loan HK$5.71M · min. income ≈ HK$55,330/mo (50% DSR)
Upfront cash ≈ HK$803K (deposit + AVD stamp duty HK$169,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,961
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$29,737
−HK$788/mo
Today · 4.125%
HK$30,525
baseline
▲ 0.50% · 4.625%
HK$32,134
+HK$1,609/mo
Deposit HK$634K · loan HK$5.71M · min. income ≈ HK$61,050/mo (50% DSR)
Upfront cash ≈ HK$803K (deposit + AVD stamp duty HK$169,244 · 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).