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$14,523
−HK$911/mo
▼ 0.25% · 3.875%
HK$14,975
−HK$459/mo
Today · 4.125%
HK$15,434
baseline
▲ 0.50% · 4.625%
HK$16,373
+HK$939/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$30,868/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$171,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,157
−HK$873/mo
▼ 0.25% · 3.875%
HK$16,590
−HK$440/mo
Today · 4.125%
HK$17,030
baseline
▲ 0.50% · 4.625%
HK$17,928
+HK$898/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$34,060/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$171,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,428
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$17,970
−HK$551/mo
Today · 4.125%
HK$18,521
baseline
▲ 0.50% · 4.625%
HK$19,648
+HK$1,127/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$37,042/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$171,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,388
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,908
−HK$528/mo
Today · 4.125%
HK$20,436
baseline
▲ 0.50% · 4.625%
HK$21,513
+HK$1,077/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$40,872/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$171,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,333
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$20,965
−HK$643/mo
Today · 4.125%
HK$21,608
baseline
▲ 0.50% · 4.625%
HK$22,922
+HK$1,314/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$43,216/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$171,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,620
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$23,226
−HK$616/mo
Today · 4.125%
HK$23,842
baseline
▲ 0.50% · 4.625%
HK$25,099
+HK$1,257/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$47,684/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$171,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,142
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$26,955
−HK$826/mo
Today · 4.125%
HK$27,781
baseline
▲ 0.50% · 4.625%
HK$29,472
+HK$1,691/mo
Deposit HK$637K · loan HK$5.73M · min. income ≈ HK$55,562/mo (50% DSR)
Upfront cash ≈ HK$809K (deposit + AVD stamp duty HK$171,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,083
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$29,863
−HK$791/mo
Today · 4.125%
HK$30,654
baseline
▲ 0.50% · 4.625%
HK$32,270
+HK$1,616/mo
Deposit HK$637K · loan HK$5.73M · min. income ≈ HK$61,308/mo (50% DSR)
Upfront cash ≈ HK$809K (deposit + AVD stamp duty HK$171,915 · 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).