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$14,487
−HK$908/mo
▼ 0.25% · 3.875%
HK$14,938
−HK$457/mo
Today · 4.125%
HK$15,395
baseline
▲ 0.50% · 4.625%
HK$16,332
+HK$937/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$30,790/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$170,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,117
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,549
−HK$438/mo
Today · 4.125%
HK$16,987
baseline
▲ 0.50% · 4.625%
HK$17,883
+HK$896/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$33,974/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$170,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,384
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$17,925
−HK$549/mo
Today · 4.125%
HK$18,474
baseline
▲ 0.50% · 4.625%
HK$19,599
+HK$1,125/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$36,948/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$170,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,340
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$19,859
−HK$526/mo
Today · 4.125%
HK$20,385
baseline
▲ 0.50% · 4.625%
HK$21,459
+HK$1,074/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$40,770/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$170,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,282
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$20,913
−HK$641/mo
Today · 4.125%
HK$21,554
baseline
▲ 0.50% · 4.625%
HK$22,865
+HK$1,311/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$43,108/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$170,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,563
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,168
−HK$614/mo
Today · 4.125%
HK$23,782
baseline
▲ 0.50% · 4.625%
HK$25,036
+HK$1,254/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$47,564/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$170,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,076
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$26,888
−HK$824/mo
Today · 4.125%
HK$27,712
baseline
▲ 0.50% · 4.625%
HK$29,398
+HK$1,686/mo
Deposit HK$635K · loan HK$5.72M · min. income ≈ HK$55,424/mo (50% DSR)
Upfront cash ≈ HK$806K (deposit + AVD stamp duty HK$170,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,010
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$29,788
−HK$789/mo
Today · 4.125%
HK$30,577
baseline
▲ 0.50% · 4.625%
HK$32,189
+HK$1,612/mo
Deposit HK$635K · loan HK$5.72M · min. income ≈ HK$61,154/mo (50% DSR)
Upfront cash ≈ HK$806K (deposit + AVD stamp duty HK$170,320 · 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).