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$14,517
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,969
−HK$458/mo
Today · 4.125%
HK$15,427
baseline
▲ 0.50% · 4.625%
HK$16,366
+HK$939/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$30,854/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$171,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,150
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,583
−HK$439/mo
Today · 4.125%
HK$17,022
baseline
▲ 0.50% · 4.625%
HK$17,920
+HK$898/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$34,044/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$171,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,420
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$17,962
−HK$551/mo
Today · 4.125%
HK$18,513
baseline
▲ 0.50% · 4.625%
HK$19,639
+HK$1,126/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$37,026/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$171,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,380
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$19,900
−HK$527/mo
Today · 4.125%
HK$20,427
baseline
▲ 0.50% · 4.625%
HK$21,504
+HK$1,077/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$40,854/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$171,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,324
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$20,956
−HK$642/mo
Today · 4.125%
HK$21,598
baseline
▲ 0.50% · 4.625%
HK$22,912
+HK$1,314/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$43,196/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$171,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,610
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$23,216
−HK$615/mo
Today · 4.125%
HK$23,831
baseline
▲ 0.50% · 4.625%
HK$25,088
+HK$1,257/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$47,662/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$171,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,131
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$26,943
−HK$826/mo
Today · 4.125%
HK$27,769
baseline
▲ 0.50% · 4.625%
HK$29,459
+HK$1,690/mo
Deposit HK$637K · loan HK$5.73M · min. income ≈ HK$55,538/mo (50% DSR)
Upfront cash ≈ HK$808K (deposit + AVD stamp duty HK$171,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,070
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$29,850
−HK$790/mo
Today · 4.125%
HK$30,640
baseline
▲ 0.50% · 4.625%
HK$32,256
+HK$1,616/mo
Deposit HK$637K · loan HK$5.73M · min. income ≈ HK$61,280/mo (50% DSR)
Upfront cash ≈ HK$808K (deposit + AVD stamp duty HK$171,637 · 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).