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$909/mo
▼ 0.25% · 3.875%
HK$14,958
−HK$458/mo
Today · 4.125%
HK$15,416
baseline
▲ 0.50% · 4.625%
HK$16,354
+HK$938/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$30,832/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$171,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,138
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,571
−HK$439/mo
Today · 4.125%
HK$17,010
baseline
▲ 0.50% · 4.625%
HK$17,907
+HK$897/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$34,020/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$171,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,408
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$17,949
−HK$551/mo
Today · 4.125%
HK$18,500
baseline
▲ 0.50% · 4.625%
HK$19,625
+HK$1,125/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$171,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,366
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,886
−HK$526/mo
Today · 4.125%
HK$20,412
baseline
▲ 0.50% · 4.625%
HK$21,488
+HK$1,076/mo
Deposit HK$2.54M · loan HK$3.82M · min. income ≈ HK$40,824/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$171,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,309
−HK$1,274/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$171,184 · 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$171,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,112
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$26,924
−HK$825/mo
Today · 4.125%
HK$27,749
baseline
▲ 0.50% · 4.625%
HK$29,438
+HK$1,689/mo
Deposit HK$636K · loan HK$5.73M · min. income ≈ HK$55,498/mo (50% DSR)
Upfront cash ≈ HK$807K (deposit + AVD stamp duty HK$171,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,049
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$29,828
−HK$791/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$171,184 · 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).