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$14,507
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,958
−HK$459/mo
Today · 4.125%
HK$15,417
baseline
▲ 0.50% · 4.625%
HK$16,355
+HK$938/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$30,834/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$171,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,139
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,572
−HK$439/mo
Today · 4.125%
HK$17,011
baseline
▲ 0.50% · 4.625%
HK$17,907
+HK$896/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$34,022/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$171,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,408
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$17,950
−HK$550/mo
Today · 4.125%
HK$18,500
baseline
▲ 0.50% · 4.625%
HK$19,626
+HK$1,126/mo
Deposit HK$2.54M · loan HK$3.82M · min. income ≈ HK$37,000/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$171,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,366
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$19,886
−HK$527/mo
Today · 4.125%
HK$20,413
baseline
▲ 0.50% · 4.625%
HK$21,489
+HK$1,076/mo
Deposit HK$2.54M · loan HK$3.82M · min. income ≈ HK$40,826/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$171,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,310
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$20,941
−HK$642/mo
Today · 4.125%
HK$21,583
baseline
▲ 0.50% · 4.625%
HK$22,896
+HK$1,313/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$43,166/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$171,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,594
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$23,200
−HK$615/mo
Today · 4.125%
HK$23,815
baseline
▲ 0.50% · 4.625%
HK$25,070
+HK$1,255/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$47,630/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$171,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,112
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$26,925
−HK$825/mo
Today · 4.125%
HK$27,750
baseline
▲ 0.50% · 4.625%
HK$29,438
+HK$1,688/mo
Deposit HK$636K · loan HK$5.73M · min. income ≈ HK$55,500/mo (50% DSR)
Upfront cash ≈ HK$807K (deposit + AVD stamp duty HK$171,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,050
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$29,829
−HK$790/mo
Today · 4.125%
HK$30,619
baseline
▲ 0.50% · 4.625%
HK$32,233
+HK$1,614/mo
Deposit HK$636K · loan HK$5.73M · min. income ≈ HK$61,238/mo (50% DSR)
Upfront cash ≈ HK$807K (deposit + AVD stamp duty HK$171,195 · 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).