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$14,493
−HK$909/mo
▼ 0.25% · 3.875%
HK$14,944
−HK$458/mo
Today · 4.125%
HK$15,402
baseline
▲ 0.50% · 4.625%
HK$16,339
+HK$937/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$30,804/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$170,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,123
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,556
−HK$439/mo
Today · 4.125%
HK$16,995
baseline
▲ 0.50% · 4.625%
HK$17,890
+HK$895/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$33,990/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$170,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,392
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$17,933
−HK$549/mo
Today · 4.125%
HK$18,482
baseline
▲ 0.50% · 4.625%
HK$19,607
+HK$1,125/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$36,964/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$170,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,348
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,867
−HK$527/mo
Today · 4.125%
HK$20,394
baseline
▲ 0.50% · 4.625%
HK$21,468
+HK$1,074/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$40,788/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$170,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,290
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$20,922
−HK$641/mo
Today · 4.125%
HK$21,563
baseline
▲ 0.50% · 4.625%
HK$22,875
+HK$1,312/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$43,126/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$170,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,573
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,178
−HK$614/mo
Today · 4.125%
HK$23,792
baseline
▲ 0.50% · 4.625%
HK$25,047
+HK$1,255/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$47,584/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$170,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,088
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$26,899
−HK$825/mo
Today · 4.125%
HK$27,724
baseline
▲ 0.50% · 4.625%
HK$29,411
+HK$1,687/mo
Deposit HK$636K · loan HK$5.72M · min. income ≈ HK$55,448/mo (50% DSR)
Upfront cash ≈ HK$806K (deposit + AVD stamp duty HK$170,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,022
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,801
−HK$789/mo
Today · 4.125%
HK$30,590
baseline
▲ 0.50% · 4.625%
HK$32,203
+HK$1,613/mo
Deposit HK$636K · loan HK$5.72M · min. income ≈ HK$61,180/mo (50% DSR)
Upfront cash ≈ HK$806K (deposit + AVD stamp duty HK$170,594 · 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).