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$14,504
−HK$909/mo
▼ 0.25% · 3.875%
HK$14,955
−HK$458/mo
Today · 4.125%
HK$15,413
baseline
▲ 0.50% · 4.625%
HK$16,351
+HK$938/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$30,826/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$171,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,135
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,568
−HK$439/mo
Today · 4.125%
HK$17,007
baseline
▲ 0.50% · 4.625%
HK$17,903
+HK$896/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$34,014/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$171,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,404
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$17,946
−HK$550/mo
Today · 4.125%
HK$18,496
baseline
▲ 0.50% · 4.625%
HK$19,621
+HK$1,125/mo
Deposit HK$2.54M · loan HK$3.82M · min. income ≈ HK$36,992/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$171,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,362
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,882
−HK$526/mo
Today · 4.125%
HK$20,408
baseline
▲ 0.50% · 4.625%
HK$21,484
+HK$1,076/mo
Deposit HK$2.54M · loan HK$3.82M · min. income ≈ HK$40,816/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$171,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,305
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$20,937
−HK$641/mo
Today · 4.125%
HK$21,578
baseline
▲ 0.50% · 4.625%
HK$22,891
+HK$1,313/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$43,156/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$171,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,589
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$23,195
−HK$615/mo
Today · 4.125%
HK$23,810
baseline
▲ 0.50% · 4.625%
HK$25,065
+HK$1,255/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$47,620/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$171,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,107
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$26,919
−HK$825/mo
Today · 4.125%
HK$27,744
baseline
▲ 0.50% · 4.625%
HK$29,432
+HK$1,688/mo
Deposit HK$636K · loan HK$5.72M · min. income ≈ HK$55,488/mo (50% DSR)
Upfront cash ≈ HK$807K (deposit + AVD stamp duty HK$171,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,043
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$29,822
−HK$791/mo
Today · 4.125%
HK$30,613
baseline
▲ 0.50% · 4.625%
HK$32,226
+HK$1,613/mo
Deposit HK$636K · loan HK$5.72M · min. income ≈ HK$61,226/mo (50% DSR)
Upfront cash ≈ HK$807K (deposit + AVD stamp duty HK$171,056 · 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).