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$14,458
−HK$906/mo
▼ 0.25% · 3.875%
HK$14,907
−HK$457/mo
Today · 4.125%
HK$15,364
baseline
▲ 0.50% · 4.625%
HK$16,299
+HK$935/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$30,728/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$169,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,084
−HK$869/mo
▼ 0.25% · 3.875%
HK$16,515
−HK$438/mo
Today · 4.125%
HK$16,953
baseline
▲ 0.50% · 4.625%
HK$17,846
+HK$893/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$33,906/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$169,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,349
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$17,889
−HK$548/mo
Today · 4.125%
HK$18,437
baseline
▲ 0.50% · 4.625%
HK$19,559
+HK$1,122/mo
Deposit HK$2.54M · loan HK$3.80M · min. income ≈ HK$36,874/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$169,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,301
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$19,818
−HK$525/mo
Today · 4.125%
HK$20,343
baseline
▲ 0.50% · 4.625%
HK$21,416
+HK$1,073/mo
Deposit HK$2.54M · loan HK$3.80M · min. income ≈ HK$40,686/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$169,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,241
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$20,870
−HK$640/mo
Today · 4.125%
HK$21,510
baseline
▲ 0.50% · 4.625%
HK$22,819
+HK$1,309/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$43,020/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$169,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,517
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$23,121
−HK$613/mo
Today · 4.125%
HK$23,734
baseline
▲ 0.50% · 4.625%
HK$24,985
+HK$1,251/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$47,468/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$169,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,024
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$26,833
−HK$822/mo
Today · 4.125%
HK$27,655
baseline
▲ 0.50% · 4.625%
HK$29,338
+HK$1,683/mo
Deposit HK$634K · loan HK$5.71M · min. income ≈ HK$55,310/mo (50% DSR)
Upfront cash ≈ HK$803K (deposit + AVD stamp duty HK$169,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,951
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$29,727
−HK$788/mo
Today · 4.125%
HK$30,515
baseline
▲ 0.50% · 4.625%
HK$32,124
+HK$1,609/mo
Deposit HK$634K · loan HK$5.71M · min. income ≈ HK$61,030/mo (50% DSR)
Upfront cash ≈ HK$803K (deposit + AVD stamp duty HK$169,032 · 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).