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$14,488
−HK$908/mo
▼ 0.25% · 3.875%
HK$14,938
−HK$458/mo
Today · 4.125%
HK$15,396
baseline
▲ 0.50% · 4.625%
HK$16,333
+HK$937/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$30,792/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$170,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,118
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,550
−HK$438/mo
Today · 4.125%
HK$16,988
baseline
▲ 0.50% · 4.625%
HK$17,884
+HK$896/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$33,976/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$170,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,385
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$17,926
−HK$550/mo
Today · 4.125%
HK$18,476
baseline
▲ 0.50% · 4.625%
HK$19,600
+HK$1,124/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$36,952/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$170,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,341
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$19,860
−HK$526/mo
Today · 4.125%
HK$20,386
baseline
▲ 0.50% · 4.625%
HK$21,461
+HK$1,075/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$40,772/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$170,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,283
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$20,914
−HK$641/mo
Today · 4.125%
HK$21,555
baseline
▲ 0.50% · 4.625%
HK$22,866
+HK$1,311/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$43,110/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$170,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,565
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,170
−HK$614/mo
Today · 4.125%
HK$23,784
baseline
▲ 0.50% · 4.625%
HK$25,037
+HK$1,253/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$47,568/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$170,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,078
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$26,889
−HK$824/mo
Today · 4.125%
HK$27,713
baseline
▲ 0.50% · 4.625%
HK$29,400
+HK$1,687/mo
Deposit HK$635K · loan HK$5.72M · min. income ≈ HK$55,426/mo (50% DSR)
Upfront cash ≈ HK$806K (deposit + AVD stamp duty HK$170,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,012
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$29,790
−HK$789/mo
Today · 4.125%
HK$30,579
baseline
▲ 0.50% · 4.625%
HK$32,191
+HK$1,612/mo
Deposit HK$635K · loan HK$5.72M · min. income ≈ HK$61,158/mo (50% DSR)
Upfront cash ≈ HK$806K (deposit + AVD stamp duty HK$170,361 · 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).