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$14,452
−HK$906/mo
▼ 0.25% · 3.875%
HK$14,901
−HK$457/mo
Today · 4.125%
HK$15,358
baseline
▲ 0.50% · 4.625%
HK$16,292
+HK$934/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$30,716/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$168,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,077
−HK$869/mo
▼ 0.25% · 3.875%
HK$16,509
−HK$437/mo
Today · 4.125%
HK$16,946
baseline
▲ 0.50% · 4.625%
HK$17,839
+HK$893/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$33,892/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$168,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,342
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$17,881
−HK$549/mo
Today · 4.125%
HK$18,430
baseline
▲ 0.50% · 4.625%
HK$19,551
+HK$1,121/mo
Deposit HK$2.54M · loan HK$3.80M · min. income ≈ HK$36,860/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$168,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,293
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$19,810
−HK$525/mo
Today · 4.125%
HK$20,335
baseline
▲ 0.50% · 4.625%
HK$21,407
+HK$1,072/mo
Deposit HK$2.54M · loan HK$3.80M · min. income ≈ HK$40,670/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$168,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,232
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$20,862
−HK$639/mo
Today · 4.125%
HK$21,501
baseline
▲ 0.50% · 4.625%
HK$22,809
+HK$1,308/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$43,002/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$168,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,508
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$23,112
−HK$612/mo
Today · 4.125%
HK$23,724
baseline
▲ 0.50% · 4.625%
HK$24,975
+HK$1,251/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$47,448/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$168,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,013
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$26,822
−HK$822/mo
Today · 4.125%
HK$27,644
baseline
▲ 0.50% · 4.625%
HK$29,326
+HK$1,682/mo
Deposit HK$634K · loan HK$5.70M · min. income ≈ HK$55,288/mo (50% DSR)
Upfront cash ≈ HK$803K (deposit + AVD stamp duty HK$168,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,939
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$29,715
−HK$788/mo
Today · 4.125%
HK$30,503
baseline
▲ 0.50% · 4.625%
HK$32,111
+HK$1,608/mo
Deposit HK$634K · loan HK$5.70M · min. income ≈ HK$61,006/mo (50% DSR)
Upfront cash ≈ HK$803K (deposit + AVD stamp duty HK$168,776 · 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).