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$14,470
−HK$907/mo
▼ 0.25% · 3.875%
HK$14,920
−HK$457/mo
Today · 4.125%
HK$15,377
baseline
▲ 0.50% · 4.625%
HK$16,313
+HK$936/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$30,754/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$169,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,097
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,529
−HK$438/mo
Today · 4.125%
HK$16,967
baseline
▲ 0.50% · 4.625%
HK$17,861
+HK$894/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$33,934/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$169,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,364
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$17,904
−HK$548/mo
Today · 4.125%
HK$18,452
baseline
▲ 0.50% · 4.625%
HK$19,575
+HK$1,123/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$36,904/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$169,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,317
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$19,835
−HK$525/mo
Today · 4.125%
HK$20,360
baseline
▲ 0.50% · 4.625%
HK$21,434
+HK$1,074/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$40,720/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$169,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,257
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$20,888
−HK$640/mo
Today · 4.125%
HK$21,528
baseline
▲ 0.50% · 4.625%
HK$22,838
+HK$1,310/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$43,056/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$169,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,536
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$23,141
−HK$613/mo
Today · 4.125%
HK$23,754
baseline
▲ 0.50% · 4.625%
HK$25,006
+HK$1,252/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$47,508/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$169,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,045
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$26,855
−HK$824/mo
Today · 4.125%
HK$27,679
baseline
▲ 0.50% · 4.625%
HK$29,363
+HK$1,684/mo
Deposit HK$635K · loan HK$5.71M · min. income ≈ HK$55,358/mo (50% DSR)
Upfront cash ≈ HK$804K (deposit + AVD stamp duty HK$169,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,975
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,752
−HK$789/mo
Today · 4.125%
HK$30,541
baseline
▲ 0.50% · 4.625%
HK$32,150
+HK$1,609/mo
Deposit HK$635K · loan HK$5.71M · min. income ≈ HK$61,082/mo (50% DSR)
Upfront cash ≈ HK$804K (deposit + AVD stamp duty HK$169,562 · 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).