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$14,485
−HK$908/mo
▼ 0.25% · 3.875%
HK$14,935
−HK$458/mo
Today · 4.125%
HK$15,393
baseline
▲ 0.50% · 4.625%
HK$16,330
+HK$937/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$30,786/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$170,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,114
−HK$871/mo
▼ 0.25% · 3.875%
HK$16,546
−HK$439/mo
Today · 4.125%
HK$16,985
baseline
▲ 0.50% · 4.625%
HK$17,880
+HK$895/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$33,970/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$170,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,382
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$17,922
−HK$550/mo
Today · 4.125%
HK$18,472
baseline
▲ 0.50% · 4.625%
HK$19,596
+HK$1,124/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$36,944/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$170,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,337
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$19,856
−HK$526/mo
Today · 4.125%
HK$20,382
baseline
▲ 0.50% · 4.625%
HK$21,456
+HK$1,074/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$40,764/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$170,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,279
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$20,910
−HK$640/mo
Today · 4.125%
HK$21,550
baseline
▲ 0.50% · 4.625%
HK$22,862
+HK$1,312/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$43,100/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$170,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,560
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,165
−HK$614/mo
Today · 4.125%
HK$23,779
baseline
▲ 0.50% · 4.625%
HK$25,032
+HK$1,253/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$47,558/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$170,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,073
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$26,884
−HK$824/mo
Today · 4.125%
HK$27,708
baseline
▲ 0.50% · 4.625%
HK$29,394
+HK$1,686/mo
Deposit HK$635K · loan HK$5.72M · min. income ≈ HK$55,416/mo (50% DSR)
Upfront cash ≈ HK$805K (deposit + AVD stamp duty HK$170,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,006
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$29,784
−HK$789/mo
Today · 4.125%
HK$30,573
baseline
▲ 0.50% · 4.625%
HK$32,184
+HK$1,611/mo
Deposit HK$635K · loan HK$5.72M · min. income ≈ HK$61,146/mo (50% DSR)
Upfront cash ≈ HK$805K (deposit + AVD stamp duty HK$170,228 · 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).