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$14,516
−HK$911/mo
▼ 0.25% · 3.875%
HK$14,968
−HK$459/mo
Today · 4.125%
HK$15,427
baseline
▲ 0.50% · 4.625%
HK$16,365
+HK$938/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$171,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,149
−HK$873/mo
▼ 0.25% · 3.875%
HK$16,582
−HK$440/mo
Today · 4.125%
HK$17,022
baseline
▲ 0.50% · 4.625%
HK$17,919
+HK$897/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$171,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,420
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$17,961
−HK$551/mo
Today · 4.125%
HK$18,512
baseline
▲ 0.50% · 4.625%
HK$19,638
+HK$1,126/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$37,024/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$171,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,379
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$19,899
−HK$527/mo
Today · 4.125%
HK$20,426
baseline
▲ 0.50% · 4.625%
HK$21,503
+HK$1,077/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$40,852/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$171,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,323
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$20,955
−HK$642/mo
Today · 4.125%
HK$21,597
baseline
▲ 0.50% · 4.625%
HK$22,911
+HK$1,314/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$43,194/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$171,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,609
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$23,215
−HK$615/mo
Today · 4.125%
HK$23,830
baseline
▲ 0.50% · 4.625%
HK$25,087
+HK$1,257/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$47,660/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$171,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,129
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$26,942
−HK$826/mo
Today · 4.125%
HK$27,768
baseline
▲ 0.50% · 4.625%
HK$29,458
+HK$1,690/mo
Deposit HK$637K · loan HK$5.73M · min. income ≈ HK$55,536/mo (50% DSR)
Upfront cash ≈ HK$808K (deposit + AVD stamp duty HK$171,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,069
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$29,848
−HK$791/mo
Today · 4.125%
HK$30,639
baseline
▲ 0.50% · 4.625%
HK$32,254
+HK$1,615/mo
Deposit HK$637K · loan HK$5.73M · min. income ≈ HK$61,278/mo (50% DSR)
Upfront cash ≈ HK$808K (deposit + AVD stamp duty HK$171,609 · 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).