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$14,491
−HK$908/mo
▼ 0.25% · 3.875%
HK$14,941
−HK$458/mo
Today · 4.125%
HK$15,399
baseline
▲ 0.50% · 4.625%
HK$16,336
+HK$937/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$30,798/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$170,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,121
−HK$871/mo
▼ 0.25% · 3.875%
HK$16,553
−HK$439/mo
Today · 4.125%
HK$16,992
baseline
▲ 0.50% · 4.625%
HK$17,887
+HK$895/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$33,984/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$170,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,389
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$17,930
−HK$549/mo
Today · 4.125%
HK$18,479
baseline
▲ 0.50% · 4.625%
HK$19,604
+HK$1,125/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$36,958/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$170,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,345
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$19,864
−HK$526/mo
Today · 4.125%
HK$20,390
baseline
▲ 0.50% · 4.625%
HK$21,465
+HK$1,075/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$40,780/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$170,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,287
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$20,918
−HK$641/mo
Today · 4.125%
HK$21,559
baseline
▲ 0.50% · 4.625%
HK$22,871
+HK$1,312/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$43,118/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$170,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,569
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,174
−HK$614/mo
Today · 4.125%
HK$23,788
baseline
▲ 0.50% · 4.625%
HK$25,042
+HK$1,254/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$47,576/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$170,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,083
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$26,894
−HK$825/mo
Today · 4.125%
HK$27,719
baseline
▲ 0.50% · 4.625%
HK$29,405
+HK$1,686/mo
Deposit HK$635K · loan HK$5.72M · min. income ≈ HK$55,438/mo (50% DSR)
Upfront cash ≈ HK$806K (deposit + AVD stamp duty HK$170,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,017
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,795
−HK$790/mo
Today · 4.125%
HK$30,585
baseline
▲ 0.50% · 4.625%
HK$32,197
+HK$1,612/mo
Deposit HK$635K · loan HK$5.72M · min. income ≈ HK$61,170/mo (50% DSR)
Upfront cash ≈ HK$806K (deposit + AVD stamp duty HK$170,482 · 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).