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$14,505
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,956
−HK$459/mo
Today · 4.125%
HK$15,415
baseline
▲ 0.50% · 4.625%
HK$16,353
+HK$938/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$30,830/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$171,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,137
−HK$871/mo
▼ 0.25% · 3.875%
HK$16,569
−HK$439/mo
Today · 4.125%
HK$17,008
baseline
▲ 0.50% · 4.625%
HK$17,905
+HK$897/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$34,016/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$171,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,406
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$17,947
−HK$551/mo
Today · 4.125%
HK$18,498
baseline
▲ 0.50% · 4.625%
HK$19,623
+HK$1,125/mo
Deposit HK$2.54M · loan HK$3.82M · min. income ≈ HK$36,996/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$171,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,364
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,883
−HK$527/mo
Today · 4.125%
HK$20,410
baseline
▲ 0.50% · 4.625%
HK$21,486
+HK$1,076/mo
Deposit HK$2.54M · loan HK$3.82M · min. income ≈ HK$40,820/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$171,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,307
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$20,939
−HK$641/mo
Today · 4.125%
HK$21,580
baseline
▲ 0.50% · 4.625%
HK$22,894
+HK$1,314/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$43,160/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$171,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,591
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$23,197
−HK$615/mo
Today · 4.125%
HK$23,812
baseline
▲ 0.50% · 4.625%
HK$25,067
+HK$1,255/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$47,624/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$171,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,109
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$26,921
−HK$825/mo
Today · 4.125%
HK$27,746
baseline
▲ 0.50% · 4.625%
HK$29,435
+HK$1,689/mo
Deposit HK$636K · loan HK$5.73M · min. income ≈ HK$55,492/mo (50% DSR)
Upfront cash ≈ HK$807K (deposit + AVD stamp duty HK$171,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,046
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$29,825
−HK$790/mo
Today · 4.125%
HK$30,615
baseline
▲ 0.50% · 4.625%
HK$32,229
+HK$1,614/mo
Deposit HK$636K · loan HK$5.73M · min. income ≈ HK$61,230/mo (50% DSR)
Upfront cash ≈ HK$807K (deposit + AVD stamp duty HK$171,113 · 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).