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$14,520
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,972
−HK$458/mo
Today · 4.125%
HK$15,430
baseline
▲ 0.50% · 4.625%
HK$16,369
+HK$939/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$30,860/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$171,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,153
−HK$873/mo
▼ 0.25% · 3.875%
HK$16,586
−HK$440/mo
Today · 4.125%
HK$17,026
baseline
▲ 0.50% · 4.625%
HK$17,923
+HK$897/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$34,052/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$171,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,424
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$17,966
−HK$550/mo
Today · 4.125%
HK$18,516
baseline
▲ 0.50% · 4.625%
HK$19,643
+HK$1,127/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$37,032/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$171,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,384
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$19,904
−HK$527/mo
Today · 4.125%
HK$20,431
baseline
▲ 0.50% · 4.625%
HK$21,508
+HK$1,077/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$40,862/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$171,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,328
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$20,960
−HK$643/mo
Today · 4.125%
HK$21,603
baseline
▲ 0.50% · 4.625%
HK$22,917
+HK$1,314/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$43,206/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$171,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,615
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$23,221
−HK$615/mo
Today · 4.125%
HK$23,836
baseline
▲ 0.50% · 4.625%
HK$25,093
+HK$1,257/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$47,672/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$171,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,136
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$26,949
−HK$826/mo
Today · 4.125%
HK$27,775
baseline
▲ 0.50% · 4.625%
HK$29,465
+HK$1,690/mo
Deposit HK$637K · loan HK$5.73M · min. income ≈ HK$55,550/mo (50% DSR)
Upfront cash ≈ HK$809K (deposit + AVD stamp duty HK$171,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,076
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$29,856
−HK$791/mo
Today · 4.125%
HK$30,647
baseline
▲ 0.50% · 4.625%
HK$32,262
+HK$1,615/mo
Deposit HK$637K · loan HK$5.73M · min. income ≈ HK$61,294/mo (50% DSR)
Upfront cash ≈ HK$809K (deposit + AVD stamp duty HK$171,766 · 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).