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$14,494
−HK$909/mo
▼ 0.25% · 3.875%
HK$14,945
−HK$458/mo
Today · 4.125%
HK$15,403
baseline
▲ 0.50% · 4.625%
HK$16,341
+HK$938/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$30,806/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$170,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,125
−HK$871/mo
▼ 0.25% · 3.875%
HK$16,557
−HK$439/mo
Today · 4.125%
HK$16,996
baseline
▲ 0.50% · 4.625%
HK$17,892
+HK$896/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$33,992/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$170,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,393
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$17,934
−HK$550/mo
Today · 4.125%
HK$18,484
baseline
▲ 0.50% · 4.625%
HK$19,609
+HK$1,125/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$36,968/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$170,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,350
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$19,869
−HK$526/mo
Today · 4.125%
HK$20,395
baseline
▲ 0.50% · 4.625%
HK$21,470
+HK$1,075/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$40,790/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$170,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,292
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$20,923
−HK$642/mo
Today · 4.125%
HK$21,565
baseline
▲ 0.50% · 4.625%
HK$22,877
+HK$1,312/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$43,130/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$170,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,575
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,180
−HK$614/mo
Today · 4.125%
HK$23,794
baseline
▲ 0.50% · 4.625%
HK$25,049
+HK$1,255/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$47,588/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$170,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,090
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$26,901
−HK$825/mo
Today · 4.125%
HK$27,726
baseline
▲ 0.50% · 4.625%
HK$29,413
+HK$1,687/mo
Deposit HK$636K · loan HK$5.72M · min. income ≈ HK$55,452/mo (50% DSR)
Upfront cash ≈ HK$806K (deposit + AVD stamp duty HK$170,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,025
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,803
−HK$790/mo
Today · 4.125%
HK$30,593
baseline
▲ 0.50% · 4.625%
HK$32,206
+HK$1,613/mo
Deposit HK$636K · loan HK$5.72M · min. income ≈ HK$61,186/mo (50% DSR)
Upfront cash ≈ HK$806K (deposit + AVD stamp duty HK$170,649 · 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).