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$14,515
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,966
−HK$459/mo
Today · 4.125%
HK$15,425
baseline
▲ 0.50% · 4.625%
HK$16,363
+HK$938/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$30,850/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$171,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,147
−HK$873/mo
▼ 0.25% · 3.875%
HK$16,581
−HK$439/mo
Today · 4.125%
HK$17,020
baseline
▲ 0.50% · 4.625%
HK$17,917
+HK$897/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$34,040/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$171,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,418
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$17,959
−HK$551/mo
Today · 4.125%
HK$18,510
baseline
▲ 0.50% · 4.625%
HK$19,636
+HK$1,126/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$37,020/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$171,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,377
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$19,897
−HK$527/mo
Today · 4.125%
HK$20,424
baseline
▲ 0.50% · 4.625%
HK$21,500
+HK$1,076/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$40,848/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$171,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,321
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$20,953
−HK$642/mo
Today · 4.125%
HK$21,595
baseline
▲ 0.50% · 4.625%
HK$22,909
+HK$1,314/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$43,190/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$171,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,606
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$23,213
−HK$615/mo
Today · 4.125%
HK$23,828
baseline
▲ 0.50% · 4.625%
HK$25,084
+HK$1,256/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$47,656/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$171,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,126
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$26,939
−HK$826/mo
Today · 4.125%
HK$27,765
baseline
▲ 0.50% · 4.625%
HK$29,454
+HK$1,689/mo
Deposit HK$637K · loan HK$5.73M · min. income ≈ HK$55,530/mo (50% DSR)
Upfront cash ≈ HK$808K (deposit + AVD stamp duty HK$171,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,065
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$29,845
−HK$791/mo
Today · 4.125%
HK$30,636
baseline
▲ 0.50% · 4.625%
HK$32,251
+HK$1,615/mo
Deposit HK$637K · loan HK$5.73M · min. income ≈ HK$61,272/mo (50% DSR)
Upfront cash ≈ HK$808K (deposit + AVD stamp duty HK$171,539 · 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).