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$14,489
−HK$909/mo
▼ 0.25% · 3.875%
HK$14,940
−HK$458/mo
Today · 4.125%
HK$15,398
baseline
▲ 0.50% · 4.625%
HK$16,334
+HK$936/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$30,796/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$170,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,119
−HK$871/mo
▼ 0.25% · 3.875%
HK$16,551
−HK$439/mo
Today · 4.125%
HK$16,990
baseline
▲ 0.50% · 4.625%
HK$17,885
+HK$895/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$33,980/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$170,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,387
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$17,928
−HK$549/mo
Today · 4.125%
HK$18,477
baseline
▲ 0.50% · 4.625%
HK$19,601
+HK$1,124/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$36,954/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$170,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,343
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$19,861
−HK$527/mo
Today · 4.125%
HK$20,388
baseline
▲ 0.50% · 4.625%
HK$21,462
+HK$1,074/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$40,776/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$170,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,285
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$20,916
−HK$641/mo
Today · 4.125%
HK$21,557
baseline
▲ 0.50% · 4.625%
HK$22,868
+HK$1,311/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$43,114/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$170,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,566
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$23,172
−HK$614/mo
Today · 4.125%
HK$23,786
baseline
▲ 0.50% · 4.625%
HK$25,039
+HK$1,253/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$47,572/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$170,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,080
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$26,891
−HK$825/mo
Today · 4.125%
HK$27,716
baseline
▲ 0.50% · 4.625%
HK$29,402
+HK$1,686/mo
Deposit HK$635K · loan HK$5.72M · min. income ≈ HK$55,432/mo (50% DSR)
Upfront cash ≈ HK$806K (deposit + AVD stamp duty HK$170,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,014
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$29,792
−HK$789/mo
Today · 4.125%
HK$30,581
baseline
▲ 0.50% · 4.625%
HK$32,193
+HK$1,612/mo
Deposit HK$635K · loan HK$5.72M · min. income ≈ HK$61,162/mo (50% DSR)
Upfront cash ≈ HK$806K (deposit + AVD stamp duty HK$170,411 · 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).