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$14,492
−HK$909/mo
▼ 0.25% · 3.875%
HK$14,943
−HK$458/mo
Today · 4.125%
HK$15,401
baseline
▲ 0.50% · 4.625%
HK$16,338
+HK$937/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$30,802/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$170,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,122
−HK$871/mo
▼ 0.25% · 3.875%
HK$16,554
−HK$439/mo
Today · 4.125%
HK$16,993
baseline
▲ 0.50% · 4.625%
HK$17,889
+HK$896/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$33,986/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$170,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,390
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$17,931
−HK$550/mo
Today · 4.125%
HK$18,481
baseline
▲ 0.50% · 4.625%
HK$19,605
+HK$1,124/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$36,962/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$170,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,346
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,865
−HK$527/mo
Today · 4.125%
HK$20,392
baseline
▲ 0.50% · 4.625%
HK$21,467
+HK$1,075/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$40,784/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$170,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,289
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$20,920
−HK$641/mo
Today · 4.125%
HK$21,561
baseline
▲ 0.50% · 4.625%
HK$22,873
+HK$1,312/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$43,122/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$170,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,571
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,176
−HK$614/mo
Today · 4.125%
HK$23,790
baseline
▲ 0.50% · 4.625%
HK$25,044
+HK$1,254/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$47,580/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$170,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,085
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$26,897
−HK$824/mo
Today · 4.125%
HK$27,721
baseline
▲ 0.50% · 4.625%
HK$29,408
+HK$1,687/mo
Deposit HK$636K · loan HK$5.72M · min. income ≈ HK$55,442/mo (50% DSR)
Upfront cash ≈ HK$806K (deposit + AVD stamp duty HK$170,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,020
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,798
−HK$790/mo
Today · 4.125%
HK$30,588
baseline
▲ 0.50% · 4.625%
HK$32,200
+HK$1,612/mo
Deposit HK$636K · loan HK$5.72M · min. income ≈ HK$61,176/mo (50% DSR)
Upfront cash ≈ HK$806K (deposit + AVD stamp duty HK$170,537 · 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).