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$14,509
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,960
−HK$459/mo
Today · 4.125%
HK$15,419
baseline
▲ 0.50% · 4.625%
HK$16,357
+HK$938/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$30,838/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$171,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,141
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,574
−HK$439/mo
Today · 4.125%
HK$17,013
baseline
▲ 0.50% · 4.625%
HK$17,910
+HK$897/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$34,026/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$171,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,411
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$17,952
−HK$551/mo
Today · 4.125%
HK$18,503
baseline
▲ 0.50% · 4.625%
HK$19,628
+HK$1,125/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$37,006/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$171,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,369
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$19,889
−HK$527/mo
Today · 4.125%
HK$20,416
baseline
▲ 0.50% · 4.625%
HK$21,492
+HK$1,076/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$40,832/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$171,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,313
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$20,944
−HK$642/mo
Today · 4.125%
HK$21,586
baseline
▲ 0.50% · 4.625%
HK$22,900
+HK$1,314/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$43,172/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$171,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,597
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$23,204
−HK$614/mo
Today · 4.125%
HK$23,818
baseline
▲ 0.50% · 4.625%
HK$25,074
+HK$1,256/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$47,636/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$171,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,116
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$26,928
−HK$826/mo
Today · 4.125%
HK$27,754
baseline
▲ 0.50% · 4.625%
HK$29,443
+HK$1,689/mo
Deposit HK$636K · loan HK$5.73M · min. income ≈ HK$55,508/mo (50% DSR)
Upfront cash ≈ HK$808K (deposit + AVD stamp duty HK$171,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,054
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$29,833
−HK$791/mo
Today · 4.125%
HK$30,624
baseline
▲ 0.50% · 4.625%
HK$32,238
+HK$1,614/mo
Deposit HK$636K · loan HK$5.73M · min. income ≈ HK$61,248/mo (50% DSR)
Upfront cash ≈ HK$808K (deposit + AVD stamp duty HK$171,286 · 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).