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$14,503
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,954
−HK$459/mo
Today · 4.125%
HK$15,413
baseline
▲ 0.50% · 4.625%
HK$16,350
+HK$937/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$30,826/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$171,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,135
−HK$871/mo
▼ 0.25% · 3.875%
HK$16,567
−HK$439/mo
Today · 4.125%
HK$17,006
baseline
▲ 0.50% · 4.625%
HK$17,903
+HK$897/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$34,012/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$171,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,404
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$17,945
−HK$550/mo
Today · 4.125%
HK$18,495
baseline
▲ 0.50% · 4.625%
HK$19,621
+HK$1,126/mo
Deposit HK$2.54M · loan HK$3.82M · min. income ≈ HK$36,990/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$171,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,362
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,881
−HK$527/mo
Today · 4.125%
HK$20,408
baseline
▲ 0.50% · 4.625%
HK$21,483
+HK$1,075/mo
Deposit HK$2.54M · loan HK$3.82M · min. income ≈ HK$40,816/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$171,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,304
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$20,936
−HK$642/mo
Today · 4.125%
HK$21,578
baseline
▲ 0.50% · 4.625%
HK$22,891
+HK$1,313/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$43,156/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$171,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,588
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$23,194
−HK$615/mo
Today · 4.125%
HK$23,809
baseline
▲ 0.50% · 4.625%
HK$25,064
+HK$1,255/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$47,618/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$171,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,106
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$26,918
−HK$825/mo
Today · 4.125%
HK$27,743
baseline
▲ 0.50% · 4.625%
HK$29,431
+HK$1,688/mo
Deposit HK$636K · loan HK$5.72M · min. income ≈ HK$55,486/mo (50% DSR)
Upfront cash ≈ HK$807K (deposit + AVD stamp duty HK$171,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,042
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$29,821
−HK$790/mo
Today · 4.125%
HK$30,611
baseline
▲ 0.50% · 4.625%
HK$32,225
+HK$1,614/mo
Deposit HK$636K · loan HK$5.72M · min. income ≈ HK$61,222/mo (50% DSR)
Upfront cash ≈ HK$807K (deposit + AVD stamp duty HK$171,031 · 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).