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$14,517
−HK$911/mo
▼ 0.25% · 3.875%
HK$14,969
−HK$459/mo
Today · 4.125%
HK$15,428
baseline
▲ 0.50% · 4.625%
HK$16,366
+HK$938/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$30,856/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$171,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,150
−HK$873/mo
▼ 0.25% · 3.875%
HK$16,584
−HK$439/mo
Today · 4.125%
HK$17,023
baseline
▲ 0.50% · 4.625%
HK$17,920
+HK$897/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$34,046/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$171,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,421
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$17,963
−HK$550/mo
Today · 4.125%
HK$18,513
baseline
▲ 0.50% · 4.625%
HK$19,640
+HK$1,127/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$37,026/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$171,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,381
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$19,900
−HK$528/mo
Today · 4.125%
HK$20,428
baseline
▲ 0.50% · 4.625%
HK$21,504
+HK$1,076/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$40,856/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$171,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,324
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$20,957
−HK$642/mo
Today · 4.125%
HK$21,599
baseline
▲ 0.50% · 4.625%
HK$22,913
+HK$1,314/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$43,198/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$171,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,611
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$23,217
−HK$615/mo
Today · 4.125%
HK$23,832
baseline
▲ 0.50% · 4.625%
HK$25,088
+HK$1,256/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$47,664/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$171,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,131
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$26,944
−HK$826/mo
Today · 4.125%
HK$27,770
baseline
▲ 0.50% · 4.625%
HK$29,460
+HK$1,690/mo
Deposit HK$637K · loan HK$5.73M · min. income ≈ HK$55,540/mo (50% DSR)
Upfront cash ≈ HK$808K (deposit + AVD stamp duty HK$171,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,071
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$29,850
−HK$791/mo
Today · 4.125%
HK$30,641
baseline
▲ 0.50% · 4.625%
HK$32,257
+HK$1,616/mo
Deposit HK$637K · loan HK$5.73M · min. income ≈ HK$61,282/mo (50% DSR)
Upfront cash ≈ HK$808K (deposit + AVD stamp duty HK$171,655 · 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).