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$14,501
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,952
−HK$459/mo
Today · 4.125%
HK$15,411
baseline
▲ 0.50% · 4.625%
HK$16,348
+HK$937/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$30,822/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$170,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,132
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,565
−HK$439/mo
Today · 4.125%
HK$17,004
baseline
▲ 0.50% · 4.625%
HK$17,900
+HK$896/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$34,008/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$170,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,401
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$17,943
−HK$550/mo
Today · 4.125%
HK$18,493
baseline
▲ 0.50% · 4.625%
HK$19,618
+HK$1,125/mo
Deposit HK$2.54M · loan HK$3.82M · min. income ≈ HK$36,986/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$170,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,359
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,878
−HK$527/mo
Today · 4.125%
HK$20,405
baseline
▲ 0.50% · 4.625%
HK$21,480
+HK$1,075/mo
Deposit HK$2.54M · loan HK$3.82M · min. income ≈ HK$40,810/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$170,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,302
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$20,933
−HK$642/mo
Today · 4.125%
HK$21,575
baseline
▲ 0.50% · 4.625%
HK$22,888
+HK$1,313/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$43,150/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$170,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,585
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$23,191
−HK$615/mo
Today · 4.125%
HK$23,806
baseline
▲ 0.50% · 4.625%
HK$25,060
+HK$1,254/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$47,612/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$170,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,102
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$26,914
−HK$825/mo
Today · 4.125%
HK$27,739
baseline
▲ 0.50% · 4.625%
HK$29,427
+HK$1,688/mo
Deposit HK$636K · loan HK$5.72M · min. income ≈ HK$55,478/mo (50% DSR)
Upfront cash ≈ HK$807K (deposit + AVD stamp duty HK$170,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,038
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$29,817
−HK$790/mo
Today · 4.125%
HK$30,607
baseline
▲ 0.50% · 4.625%
HK$32,221
+HK$1,614/mo
Deposit HK$636K · loan HK$5.72M · min. income ≈ HK$61,214/mo (50% DSR)
Upfront cash ≈ HK$807K (deposit + AVD stamp duty HK$170,945 · 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).