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$14,467
−HK$907/mo
▼ 0.25% · 3.875%
HK$14,917
−HK$457/mo
Today · 4.125%
HK$15,374
baseline
▲ 0.50% · 4.625%
HK$16,309
+HK$935/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$30,748/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$169,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,094
−HK$869/mo
▼ 0.25% · 3.875%
HK$16,526
−HK$437/mo
Today · 4.125%
HK$16,963
baseline
▲ 0.50% · 4.625%
HK$17,858
+HK$895/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$33,926/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$169,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,360
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$17,900
−HK$548/mo
Today · 4.125%
HK$18,448
baseline
▲ 0.50% · 4.625%
HK$19,571
+HK$1,123/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$36,896/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$169,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,313
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$19,831
−HK$525/mo
Today · 4.125%
HK$20,356
baseline
▲ 0.50% · 4.625%
HK$21,429
+HK$1,073/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$40,712/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$169,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,253
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,883
−HK$640/mo
Today · 4.125%
HK$21,523
baseline
▲ 0.50% · 4.625%
HK$22,833
+HK$1,310/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$43,046/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$169,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,531
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$23,136
−HK$613/mo
Today · 4.125%
HK$23,749
baseline
▲ 0.50% · 4.625%
HK$25,001
+HK$1,252/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$47,498/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$169,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,040
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$26,850
−HK$823/mo
Today · 4.125%
HK$27,673
baseline
▲ 0.50% · 4.625%
HK$29,357
+HK$1,684/mo
Deposit HK$634K · loan HK$5.71M · min. income ≈ HK$55,346/mo (50% DSR)
Upfront cash ≈ HK$804K (deposit + AVD stamp duty HK$169,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,969
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$29,746
−HK$788/mo
Today · 4.125%
HK$30,534
baseline
▲ 0.50% · 4.625%
HK$32,144
+HK$1,610/mo
Deposit HK$634K · loan HK$5.71M · min. income ≈ HK$61,068/mo (50% DSR)
Upfront cash ≈ HK$804K (deposit + AVD stamp duty HK$169,428 · 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).