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$14,511
−HK$909/mo
▼ 0.25% · 3.875%
HK$14,962
−HK$458/mo
Today · 4.125%
HK$15,420
baseline
▲ 0.50% · 4.625%
HK$16,359
+HK$939/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$30,840/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$171,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,143
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,576
−HK$439/mo
Today · 4.125%
HK$17,015
baseline
▲ 0.50% · 4.625%
HK$17,912
+HK$897/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$34,030/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$171,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,413
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$17,954
−HK$551/mo
Today · 4.125%
HK$18,505
baseline
▲ 0.50% · 4.625%
HK$19,631
+HK$1,126/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$37,010/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$171,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,371
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$19,891
−HK$527/mo
Today · 4.125%
HK$20,418
baseline
▲ 0.50% · 4.625%
HK$21,494
+HK$1,076/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$40,836/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$171,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,315
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$20,947
−HK$642/mo
Today · 4.125%
HK$21,589
baseline
▲ 0.50% · 4.625%
HK$22,902
+HK$1,313/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$43,178/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$171,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,600
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$23,206
−HK$615/mo
Today · 4.125%
HK$23,821
baseline
▲ 0.50% · 4.625%
HK$25,077
+HK$1,256/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$47,642/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$171,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,119
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$26,931
−HK$826/mo
Today · 4.125%
HK$27,757
baseline
▲ 0.50% · 4.625%
HK$29,446
+HK$1,689/mo
Deposit HK$636K · loan HK$5.73M · min. income ≈ HK$55,514/mo (50% DSR)
Upfront cash ≈ HK$808K (deposit + AVD stamp duty HK$171,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,057
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$29,836
−HK$791/mo
Today · 4.125%
HK$30,627
baseline
▲ 0.50% · 4.625%
HK$32,241
+HK$1,614/mo
Deposit HK$636K · loan HK$5.73M · min. income ≈ HK$61,254/mo (50% DSR)
Upfront cash ≈ HK$808K (deposit + AVD stamp duty HK$171,356 · 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).