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$14,491
−HK$909/mo
▼ 0.25% · 3.875%
HK$14,942
−HK$458/mo
Today · 4.125%
HK$15,400
baseline
▲ 0.50% · 4.625%
HK$16,337
+HK$937/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$30,800/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$170,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,121
−HK$871/mo
▼ 0.25% · 3.875%
HK$16,554
−HK$438/mo
Today · 4.125%
HK$16,992
baseline
▲ 0.50% · 4.625%
HK$17,888
+HK$896/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$33,984/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$170,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,389
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$17,930
−HK$550/mo
Today · 4.125%
HK$18,480
baseline
▲ 0.50% · 4.625%
HK$19,604
+HK$1,124/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$36,960/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$170,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,346
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$19,864
−HK$527/mo
Today · 4.125%
HK$20,391
baseline
▲ 0.50% · 4.625%
HK$21,466
+HK$1,075/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$40,782/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$170,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,288
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$20,919
−HK$641/mo
Today · 4.125%
HK$21,560
baseline
▲ 0.50% · 4.625%
HK$22,872
+HK$1,312/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$43,120/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$170,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,570
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,175
−HK$614/mo
Today · 4.125%
HK$23,789
baseline
▲ 0.50% · 4.625%
HK$25,043
+HK$1,254/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$47,578/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$170,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,084
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$26,895
−HK$825/mo
Today · 4.125%
HK$27,720
baseline
▲ 0.50% · 4.625%
HK$29,406
+HK$1,686/mo
Deposit HK$636K · loan HK$5.72M · min. income ≈ HK$55,440/mo (50% DSR)
Upfront cash ≈ HK$806K (deposit + AVD stamp duty HK$170,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,018
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,797
−HK$789/mo
Today · 4.125%
HK$30,586
baseline
▲ 0.50% · 4.625%
HK$32,198
+HK$1,612/mo
Deposit HK$636K · loan HK$5.72M · min. income ≈ HK$61,172/mo (50% DSR)
Upfront cash ≈ HK$806K (deposit + AVD stamp duty HK$170,505 · 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).