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$14,501
−HK$909/mo
▼ 0.25% · 3.875%
HK$14,952
−HK$458/mo
Today · 4.125%
HK$15,410
baseline
▲ 0.50% · 4.625%
HK$16,348
+HK$938/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$30,820/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$170,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,132
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,565
−HK$439/mo
Today · 4.125%
HK$17,004
baseline
▲ 0.50% · 4.625%
HK$17,900
+HK$896/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$34,008/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$170,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,401
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$17,942
−HK$550/mo
Today · 4.125%
HK$18,492
baseline
▲ 0.50% · 4.625%
HK$19,617
+HK$1,125/mo
Deposit HK$2.54M · loan HK$3.82M · min. income ≈ HK$36,984/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$170,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,358
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,878
−HK$526/mo
Today · 4.125%
HK$20,404
baseline
▲ 0.50% · 4.625%
HK$21,480
+HK$1,076/mo
Deposit HK$2.54M · loan HK$3.82M · min. income ≈ HK$40,808/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$170,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,301
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$20,933
−HK$641/mo
Today · 4.125%
HK$21,574
baseline
▲ 0.50% · 4.625%
HK$22,887
+HK$1,313/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$43,148/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$170,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,585
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$23,191
−HK$614/mo
Today · 4.125%
HK$23,805
baseline
▲ 0.50% · 4.625%
HK$25,060
+HK$1,255/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$47,610/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$170,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,101
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$26,913
−HK$825/mo
Today · 4.125%
HK$27,738
baseline
▲ 0.50% · 4.625%
HK$29,426
+HK$1,688/mo
Deposit HK$636K · loan HK$5.72M · min. income ≈ HK$55,476/mo (50% DSR)
Upfront cash ≈ HK$807K (deposit + AVD stamp duty HK$170,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,038
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,816
−HK$790/mo
Today · 4.125%
HK$30,606
baseline
▲ 0.50% · 4.625%
HK$32,220
+HK$1,614/mo
Deposit HK$636K · loan HK$5.72M · min. income ≈ HK$61,212/mo (50% DSR)
Upfront cash ≈ HK$807K (deposit + AVD stamp duty HK$170,930 · 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).