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$14,506
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,957
−HK$459/mo
Today · 4.125%
HK$15,416
baseline
▲ 0.50% · 4.625%
HK$16,354
+HK$938/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$30,832/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$171,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,138
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,571
−HK$439/mo
Today · 4.125%
HK$17,010
baseline
▲ 0.50% · 4.625%
HK$17,906
+HK$896/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$34,020/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$171,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,407
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$17,949
−HK$550/mo
Today · 4.125%
HK$18,499
baseline
▲ 0.50% · 4.625%
HK$19,624
+HK$1,125/mo
Deposit HK$2.54M · loan HK$3.82M · min. income ≈ HK$36,998/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$171,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,365
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$19,885
−HK$527/mo
Today · 4.125%
HK$20,412
baseline
▲ 0.50% · 4.625%
HK$21,487
+HK$1,075/mo
Deposit HK$2.54M · loan HK$3.82M · min. income ≈ HK$40,824/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$171,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,308
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$20,940
−HK$642/mo
Today · 4.125%
HK$21,582
baseline
▲ 0.50% · 4.625%
HK$22,895
+HK$1,313/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$43,164/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$171,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,593
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$23,199
−HK$614/mo
Today · 4.125%
HK$23,813
baseline
▲ 0.50% · 4.625%
HK$25,069
+HK$1,256/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$47,626/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$171,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,111
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$26,923
−HK$825/mo
Today · 4.125%
HK$27,748
baseline
▲ 0.50% · 4.625%
HK$29,436
+HK$1,688/mo
Deposit HK$636K · loan HK$5.73M · min. income ≈ HK$55,496/mo (50% DSR)
Upfront cash ≈ HK$807K (deposit + AVD stamp duty HK$171,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,048
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$29,827
−HK$790/mo
Today · 4.125%
HK$30,617
baseline
▲ 0.50% · 4.625%
HK$32,231
+HK$1,614/mo
Deposit HK$636K · loan HK$5.73M · min. income ≈ HK$61,234/mo (50% DSR)
Upfront cash ≈ HK$807K (deposit + AVD stamp duty HK$171,154 · 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).