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$14,366
−HK$900/mo
▼ 0.25% · 3.875%
HK$14,812
−HK$454/mo
Today · 4.125%
HK$15,266
baseline
▲ 0.50% · 4.625%
HK$16,195
+HK$929/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$30,532/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$164,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,982
−HK$863/mo
▼ 0.25% · 3.875%
HK$16,410
−HK$435/mo
Today · 4.125%
HK$16,845
baseline
▲ 0.50% · 4.625%
HK$17,733
+HK$888/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$33,690/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$164,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,239
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,775
−HK$545/mo
Today · 4.125%
HK$18,320
baseline
▲ 0.50% · 4.625%
HK$19,434
+HK$1,114/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$36,640/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$164,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,178
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$19,692
−HK$522/mo
Today · 4.125%
HK$20,214
baseline
▲ 0.50% · 4.625%
HK$21,280
+HK$1,066/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$40,428/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$164,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,112
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$20,737
−HK$636/mo
Today · 4.125%
HK$21,373
baseline
▲ 0.50% · 4.625%
HK$22,674
+HK$1,301/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$42,746/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$164,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,374
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$22,974
−HK$609/mo
Today · 4.125%
HK$23,583
baseline
▲ 0.50% · 4.625%
HK$24,826
+HK$1,243/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$47,166/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$164,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,858
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,662
−HK$818/mo
Today · 4.125%
HK$27,480
baseline
▲ 0.50% · 4.625%
HK$29,152
+HK$1,672/mo
Deposit HK$630K · loan HK$5.67M · min. income ≈ HK$54,960/mo (50% DSR)
Upfront cash ≈ HK$795K (deposit + AVD stamp duty HK$164,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,767
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,538
−HK$783/mo
Today · 4.125%
HK$30,321
baseline
▲ 0.50% · 4.625%
HK$31,919
+HK$1,598/mo
Deposit HK$630K · loan HK$5.67M · min. income ≈ HK$60,642/mo (50% DSR)
Upfront cash ≈ HK$795K (deposit + AVD stamp duty HK$164,999 · 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).