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$14,497
−HK$909/mo
▼ 0.25% · 3.875%
HK$14,948
−HK$458/mo
Today · 4.125%
HK$15,406
baseline
▲ 0.50% · 4.625%
HK$16,344
+HK$938/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$30,812/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$170,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,128
−HK$871/mo
▼ 0.25% · 3.875%
HK$16,560
−HK$439/mo
Today · 4.125%
HK$16,999
baseline
▲ 0.50% · 4.625%
HK$17,895
+HK$896/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$33,998/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$170,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,396
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$17,938
−HK$549/mo
Today · 4.125%
HK$18,487
baseline
▲ 0.50% · 4.625%
HK$19,612
+HK$1,125/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$36,974/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$170,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,353
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,872
−HK$527/mo
Today · 4.125%
HK$20,399
baseline
▲ 0.50% · 4.625%
HK$21,474
+HK$1,075/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$40,798/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$170,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,296
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$20,927
−HK$642/mo
Today · 4.125%
HK$21,569
baseline
▲ 0.50% · 4.625%
HK$22,881
+HK$1,312/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$43,138/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$170,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,579
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$23,184
−HK$615/mo
Today · 4.125%
HK$23,799
baseline
▲ 0.50% · 4.625%
HK$25,053
+HK$1,254/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$47,598/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$170,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,095
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$26,906
−HK$825/mo
Today · 4.125%
HK$27,731
baseline
▲ 0.50% · 4.625%
HK$29,418
+HK$1,687/mo
Deposit HK$636K · loan HK$5.72M · min. income ≈ HK$55,462/mo (50% DSR)
Upfront cash ≈ HK$807K (deposit + AVD stamp duty HK$170,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,030
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,809
−HK$789/mo
Today · 4.125%
HK$30,598
baseline
▲ 0.50% · 4.625%
HK$32,211
+HK$1,613/mo
Deposit HK$636K · loan HK$5.72M · min. income ≈ HK$61,196/mo (50% DSR)
Upfront cash ≈ HK$807K (deposit + AVD stamp duty HK$170,764 · 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).