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$14,490
−HK$909/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$170,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,120
−HK$871/mo
▼ 0.25% · 3.875%
HK$16,552
−HK$439/mo
Today · 4.125%
HK$16,991
baseline
▲ 0.50% · 4.625%
HK$17,887
+HK$896/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$33,982/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$170,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,388
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$17,929
−HK$549/mo
Today · 4.125%
HK$18,478
baseline
▲ 0.50% · 4.625%
HK$19,603
+HK$1,125/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$36,956/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$170,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,344
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$19,863
−HK$526/mo
Today · 4.125%
HK$20,389
baseline
▲ 0.50% · 4.625%
HK$21,464
+HK$1,075/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$40,778/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$170,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,286
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$20,917
−HK$641/mo
Today · 4.125%
HK$21,558
baseline
▲ 0.50% · 4.625%
HK$22,870
+HK$1,312/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$43,116/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$170,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,568
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,173
−HK$614/mo
Today · 4.125%
HK$23,787
baseline
▲ 0.50% · 4.625%
HK$25,041
+HK$1,254/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$47,574/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$170,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,082
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$26,893
−HK$825/mo
Today · 4.125%
HK$27,718
baseline
▲ 0.50% · 4.625%
HK$29,404
+HK$1,686/mo
Deposit HK$635K · loan HK$5.72M · min. income ≈ HK$55,436/mo (50% DSR)
Upfront cash ≈ HK$806K (deposit + AVD stamp duty HK$170,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,016
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,794
−HK$790/mo
Today · 4.125%
HK$30,584
baseline
▲ 0.50% · 4.625%
HK$32,196
+HK$1,612/mo
Deposit HK$635K · loan HK$5.72M · min. income ≈ HK$61,168/mo (50% DSR)
Upfront cash ≈ HK$806K (deposit + AVD stamp duty HK$170,456 · 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).