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$14,496
−HK$909/mo
▼ 0.25% · 3.875%
HK$14,947
−HK$458/mo
Today · 4.125%
HK$15,405
baseline
▲ 0.50% · 4.625%
HK$16,342
+HK$937/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$30,810/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$170,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,126
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,559
−HK$439/mo
Today · 4.125%
HK$16,998
baseline
▲ 0.50% · 4.625%
HK$17,894
+HK$896/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$33,996/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$170,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,395
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$17,936
−HK$550/mo
Today · 4.125%
HK$18,486
baseline
▲ 0.50% · 4.625%
HK$19,611
+HK$1,125/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$36,972/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$170,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,352
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$19,871
−HK$526/mo
Today · 4.125%
HK$20,397
baseline
▲ 0.50% · 4.625%
HK$21,472
+HK$1,075/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$40,794/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$170,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,294
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$20,925
−HK$642/mo
Today · 4.125%
HK$21,567
baseline
▲ 0.50% · 4.625%
HK$22,879
+HK$1,312/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$43,134/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$170,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,577
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$23,183
−HK$614/mo
Today · 4.125%
HK$23,797
baseline
▲ 0.50% · 4.625%
HK$25,051
+HK$1,254/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$47,594/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$170,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,092
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$26,904
−HK$825/mo
Today · 4.125%
HK$27,729
baseline
▲ 0.50% · 4.625%
HK$29,416
+HK$1,687/mo
Deposit HK$636K · loan HK$5.72M · min. income ≈ HK$55,458/mo (50% DSR)
Upfront cash ≈ HK$806K (deposit + AVD stamp duty HK$170,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,028
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,806
−HK$790/mo
Today · 4.125%
HK$30,596
baseline
▲ 0.50% · 4.625%
HK$32,209
+HK$1,613/mo
Deposit HK$636K · loan HK$5.72M · min. income ≈ HK$61,192/mo (50% DSR)
Upfront cash ≈ HK$806K (deposit + AVD stamp duty HK$170,710 · 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).