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$14,469
−HK$907/mo
▼ 0.25% · 3.875%
HK$14,919
−HK$457/mo
Today · 4.125%
HK$15,376
baseline
▲ 0.50% · 4.625%
HK$16,312
+HK$936/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$30,752/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$169,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,096
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,528
−HK$438/mo
Today · 4.125%
HK$16,966
baseline
▲ 0.50% · 4.625%
HK$17,860
+HK$894/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$33,932/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$169,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,363
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$17,903
−HK$548/mo
Today · 4.125%
HK$18,451
baseline
▲ 0.50% · 4.625%
HK$19,574
+HK$1,123/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$36,902/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$169,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,316
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$19,834
−HK$525/mo
Today · 4.125%
HK$20,359
baseline
▲ 0.50% · 4.625%
HK$21,432
+HK$1,073/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$40,718/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$169,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,256
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$20,886
−HK$641/mo
Today · 4.125%
HK$21,527
baseline
▲ 0.50% · 4.625%
HK$22,837
+HK$1,310/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$43,054/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$169,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,535
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$23,139
−HK$614/mo
Today · 4.125%
HK$23,753
baseline
▲ 0.50% · 4.625%
HK$25,005
+HK$1,252/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$47,506/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$169,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,044
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$26,854
−HK$823/mo
Today · 4.125%
HK$27,677
baseline
▲ 0.50% · 4.625%
HK$29,361
+HK$1,684/mo
Deposit HK$635K · loan HK$5.71M · min. income ≈ HK$55,354/mo (50% DSR)
Upfront cash ≈ HK$804K (deposit + AVD stamp duty HK$169,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,974
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$29,751
−HK$788/mo
Today · 4.125%
HK$30,539
baseline
▲ 0.50% · 4.625%
HK$32,149
+HK$1,610/mo
Deposit HK$635K · loan HK$5.71M · min. income ≈ HK$61,078/mo (50% DSR)
Upfront cash ≈ HK$804K (deposit + AVD stamp duty HK$169,528 · 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).