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$14,485
−HK$909/mo
▼ 0.25% · 3.875%
HK$14,936
−HK$458/mo
Today · 4.125%
HK$15,394
baseline
▲ 0.50% · 4.625%
HK$16,330
+HK$936/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$30,788/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$170,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,115
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,547
−HK$438/mo
Today · 4.125%
HK$16,985
baseline
▲ 0.50% · 4.625%
HK$17,881
+HK$896/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$33,970/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$170,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,382
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$17,923
−HK$549/mo
Today · 4.125%
HK$18,472
baseline
▲ 0.50% · 4.625%
HK$19,597
+HK$1,125/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$36,944/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$170,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,338
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$19,856
−HK$527/mo
Today · 4.125%
HK$20,383
baseline
▲ 0.50% · 4.625%
HK$21,457
+HK$1,074/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$40,766/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$170,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,280
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$20,910
−HK$641/mo
Today · 4.125%
HK$21,551
baseline
▲ 0.50% · 4.625%
HK$22,863
+HK$1,312/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$43,102/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$170,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,561
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,166
−HK$614/mo
Today · 4.125%
HK$23,780
baseline
▲ 0.50% · 4.625%
HK$25,033
+HK$1,253/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$47,560/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$170,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,074
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$26,885
−HK$824/mo
Today · 4.125%
HK$27,709
baseline
▲ 0.50% · 4.625%
HK$29,395
+HK$1,686/mo
Deposit HK$635K · loan HK$5.72M · min. income ≈ HK$55,418/mo (50% DSR)
Upfront cash ≈ HK$806K (deposit + AVD stamp duty HK$170,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,007
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$29,785
−HK$789/mo
Today · 4.125%
HK$30,574
baseline
▲ 0.50% · 4.625%
HK$32,185
+HK$1,611/mo
Deposit HK$635K · loan HK$5.72M · min. income ≈ HK$61,148/mo (50% DSR)
Upfront cash ≈ HK$806K (deposit + AVD stamp duty HK$170,253 · 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).