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$14,524
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,975
−HK$459/mo
Today · 4.125%
HK$15,434
baseline
▲ 0.50% · 4.625%
HK$16,374
+HK$940/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$30,868/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$171,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,157
−HK$873/mo
▼ 0.25% · 3.875%
HK$16,591
−HK$439/mo
Today · 4.125%
HK$17,030
baseline
▲ 0.50% · 4.625%
HK$17,928
+HK$898/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$34,060/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$171,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,428
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$17,971
−HK$550/mo
Today · 4.125%
HK$18,521
baseline
▲ 0.50% · 4.625%
HK$19,648
+HK$1,127/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$37,042/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$171,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,389
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,909
−HK$528/mo
Today · 4.125%
HK$20,437
baseline
▲ 0.50% · 4.625%
HK$21,514
+HK$1,077/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$40,874/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$171,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,333
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$20,966
−HK$642/mo
Today · 4.125%
HK$21,608
baseline
▲ 0.50% · 4.625%
HK$22,923
+HK$1,315/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$43,216/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$171,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,620
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$23,227
−HK$616/mo
Today · 4.125%
HK$23,843
baseline
▲ 0.50% · 4.625%
HK$25,099
+HK$1,256/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$47,686/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$171,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,143
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$26,956
−HK$826/mo
Today · 4.125%
HK$27,782
baseline
▲ 0.50% · 4.625%
HK$29,473
+HK$1,691/mo
Deposit HK$637K · loan HK$5.73M · min. income ≈ HK$55,564/mo (50% DSR)
Upfront cash ≈ HK$809K (deposit + AVD stamp duty HK$171,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,083
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$29,863
−HK$792/mo
Today · 4.125%
HK$30,655
baseline
▲ 0.50% · 4.625%
HK$32,271
+HK$1,616/mo
Deposit HK$637K · loan HK$5.73M · min. income ≈ HK$61,310/mo (50% DSR)
Upfront cash ≈ HK$809K (deposit + AVD stamp duty HK$171,934 · 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).