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$14,525
−HK$911/mo
▼ 0.25% · 3.875%
HK$14,977
−HK$459/mo
Today · 4.125%
HK$15,436
baseline
▲ 0.50% · 4.625%
HK$16,375
+HK$939/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$30,872/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$171,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,159
−HK$873/mo
▼ 0.25% · 3.875%
HK$16,592
−HK$440/mo
Today · 4.125%
HK$17,032
baseline
▲ 0.50% · 4.625%
HK$17,930
+HK$898/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$34,064/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$171,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,430
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$17,972
−HK$551/mo
Today · 4.125%
HK$18,523
baseline
▲ 0.50% · 4.625%
HK$19,650
+HK$1,127/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$37,046/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$171,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,391
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$19,911
−HK$527/mo
Today · 4.125%
HK$20,438
baseline
▲ 0.50% · 4.625%
HK$21,516
+HK$1,078/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$40,876/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$171,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,335
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$20,967
−HK$643/mo
Today · 4.125%
HK$21,610
baseline
▲ 0.50% · 4.625%
HK$22,925
+HK$1,315/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$43,220/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$171,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,622
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$23,229
−HK$616/mo
Today · 4.125%
HK$23,845
baseline
▲ 0.50% · 4.625%
HK$25,101
+HK$1,256/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$47,690/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$171,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,145
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$26,958
−HK$826/mo
Today · 4.125%
HK$27,784
baseline
▲ 0.50% · 4.625%
HK$29,475
+HK$1,691/mo
Deposit HK$637K · loan HK$5.73M · min. income ≈ HK$55,568/mo (50% DSR)
Upfront cash ≈ HK$809K (deposit + AVD stamp duty HK$171,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,086
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$29,866
−HK$791/mo
Today · 4.125%
HK$30,657
baseline
▲ 0.50% · 4.625%
HK$32,273
+HK$1,616/mo
Deposit HK$637K · loan HK$5.73M · min. income ≈ HK$61,314/mo (50% DSR)
Upfront cash ≈ HK$809K (deposit + AVD stamp duty HK$171,986 · 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).