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$14,521
−HK$911/mo
▼ 0.25% · 3.875%
HK$14,973
−HK$459/mo
Today · 4.125%
HK$15,432
baseline
▲ 0.50% · 4.625%
HK$16,371
+HK$939/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$30,864/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$171,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,155
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,588
−HK$439/mo
Today · 4.125%
HK$17,027
baseline
▲ 0.50% · 4.625%
HK$17,925
+HK$898/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$34,054/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$171,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,425
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$17,967
−HK$551/mo
Today · 4.125%
HK$18,518
baseline
▲ 0.50% · 4.625%
HK$19,645
+HK$1,127/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$37,036/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$171,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,386
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$19,906
−HK$527/mo
Today · 4.125%
HK$20,433
baseline
▲ 0.50% · 4.625%
HK$21,510
+HK$1,077/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$40,866/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$171,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,330
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$20,962
−HK$642/mo
Today · 4.125%
HK$21,604
baseline
▲ 0.50% · 4.625%
HK$22,919
+HK$1,315/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$43,208/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$171,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,617
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$23,223
−HK$615/mo
Today · 4.125%
HK$23,838
baseline
▲ 0.50% · 4.625%
HK$25,095
+HK$1,257/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$47,676/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$171,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,138
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$26,951
−HK$826/mo
Today · 4.125%
HK$27,777
baseline
▲ 0.50% · 4.625%
HK$29,467
+HK$1,690/mo
Deposit HK$637K · loan HK$5.73M · min. income ≈ HK$55,554/mo (50% DSR)
Upfront cash ≈ HK$809K (deposit + AVD stamp duty HK$171,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,078
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$29,858
−HK$791/mo
Today · 4.125%
HK$30,649
baseline
▲ 0.50% · 4.625%
HK$32,265
+HK$1,616/mo
Deposit HK$637K · loan HK$5.73M · min. income ≈ HK$61,298/mo (50% DSR)
Upfront cash ≈ HK$809K (deposit + AVD stamp duty HK$171,823 · 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).