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$14,498
−HK$909/mo
▼ 0.25% · 3.875%
HK$14,949
−HK$458/mo
Today · 4.125%
HK$15,407
baseline
▲ 0.50% · 4.625%
HK$16,345
+HK$938/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$30,814/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$170,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,129
−HK$871/mo
▼ 0.25% · 3.875%
HK$16,562
−HK$438/mo
Today · 4.125%
HK$17,000
baseline
▲ 0.50% · 4.625%
HK$17,897
+HK$897/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$34,000/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$170,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,398
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$17,939
−HK$550/mo
Today · 4.125%
HK$18,489
baseline
▲ 0.50% · 4.625%
HK$19,614
+HK$1,125/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$36,978/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$170,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,355
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,874
−HK$527/mo
Today · 4.125%
HK$20,401
baseline
▲ 0.50% · 4.625%
HK$21,476
+HK$1,075/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$40,802/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$170,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,297
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$20,929
−HK$641/mo
Today · 4.125%
HK$21,570
baseline
▲ 0.50% · 4.625%
HK$22,883
+HK$1,313/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$43,140/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$170,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,581
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$23,186
−HK$615/mo
Today · 4.125%
HK$23,801
baseline
▲ 0.50% · 4.625%
HK$25,055
+HK$1,254/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$47,602/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$170,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,097
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$26,908
−HK$825/mo
Today · 4.125%
HK$27,733
baseline
▲ 0.50% · 4.625%
HK$29,421
+HK$1,688/mo
Deposit HK$636K · loan HK$5.72M · min. income ≈ HK$55,466/mo (50% DSR)
Upfront cash ≈ HK$807K (deposit + AVD stamp duty HK$170,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,032
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$29,811
−HK$790/mo
Today · 4.125%
HK$30,601
baseline
▲ 0.50% · 4.625%
HK$32,214
+HK$1,613/mo
Deposit HK$636K · loan HK$5.72M · min. income ≈ HK$61,202/mo (50% DSR)
Upfront cash ≈ HK$807K (deposit + AVD stamp duty HK$170,812 · 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).