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$14,524
−HK$911/mo
▼ 0.25% · 3.875%
HK$14,976
−HK$459/mo
Today · 4.125%
HK$15,435
baseline
▲ 0.50% · 4.625%
HK$16,374
+HK$939/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$30,870/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$171,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,158
−HK$873/mo
▼ 0.25% · 3.875%
HK$16,591
−HK$440/mo
Today · 4.125%
HK$17,031
baseline
▲ 0.50% · 4.625%
HK$17,929
+HK$898/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$34,062/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$171,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,429
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$17,971
−HK$551/mo
Today · 4.125%
HK$18,522
baseline
▲ 0.50% · 4.625%
HK$19,649
+HK$1,127/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$37,044/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$171,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,390
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$19,910
−HK$527/mo
Today · 4.125%
HK$20,437
baseline
▲ 0.50% · 4.625%
HK$21,515
+HK$1,078/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$40,874/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$171,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,334
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$20,966
−HK$643/mo
Today · 4.125%
HK$21,609
baseline
▲ 0.50% · 4.625%
HK$22,924
+HK$1,315/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$43,218/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$171,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,621
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$23,228
−HK$616/mo
Today · 4.125%
HK$23,844
baseline
▲ 0.50% · 4.625%
HK$25,100
+HK$1,256/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$47,688/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$171,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,144
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$26,957
−HK$826/mo
Today · 4.125%
HK$27,783
baseline
▲ 0.50% · 4.625%
HK$29,474
+HK$1,691/mo
Deposit HK$637K · loan HK$5.73M · min. income ≈ HK$55,566/mo (50% DSR)
Upfront cash ≈ HK$809K (deposit + AVD stamp duty HK$171,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,085
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$29,865
−HK$791/mo
Today · 4.125%
HK$30,656
baseline
▲ 0.50% · 4.625%
HK$32,272
+HK$1,616/mo
Deposit HK$637K · loan HK$5.73M · min. income ≈ HK$61,312/mo (50% DSR)
Upfront cash ≈ HK$809K (deposit + AVD stamp duty HK$171,959 · 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).