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$14,497
−HK$909/mo
▼ 0.25% · 3.875%
HK$14,947
−HK$459/mo
Today · 4.125%
HK$15,406
baseline
▲ 0.50% · 4.625%
HK$16,343
+HK$937/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$30,812/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$170,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,127
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,560
−HK$439/mo
Today · 4.125%
HK$16,999
baseline
▲ 0.50% · 4.625%
HK$17,895
+HK$896/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$33,998/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$170,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,396
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$17,937
−HK$550/mo
Today · 4.125%
HK$18,487
baseline
▲ 0.50% · 4.625%
HK$19,612
+HK$1,125/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$36,974/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$170,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,353
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$19,872
−HK$526/mo
Today · 4.125%
HK$20,398
baseline
▲ 0.50% · 4.625%
HK$21,473
+HK$1,075/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$40,796/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$170,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,295
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$20,926
−HK$642/mo
Today · 4.125%
HK$21,568
baseline
▲ 0.50% · 4.625%
HK$22,880
+HK$1,312/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$43,136/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$170,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,578
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$23,184
−HK$614/mo
Today · 4.125%
HK$23,798
baseline
▲ 0.50% · 4.625%
HK$25,052
+HK$1,254/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$47,596/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$170,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,094
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$26,905
−HK$825/mo
Today · 4.125%
HK$27,730
baseline
▲ 0.50% · 4.625%
HK$29,417
+HK$1,687/mo
Deposit HK$636K · loan HK$5.72M · min. income ≈ HK$55,460/mo (50% DSR)
Upfront cash ≈ HK$806K (deposit + AVD stamp duty HK$170,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,029
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,808
−HK$789/mo
Today · 4.125%
HK$30,597
baseline
▲ 0.50% · 4.625%
HK$32,210
+HK$1,613/mo
Deposit HK$636K · loan HK$5.72M · min. income ≈ HK$61,194/mo (50% DSR)
Upfront cash ≈ HK$806K (deposit + AVD stamp duty HK$170,741 · 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).