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$14,502
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,953
−HK$459/mo
Today · 4.125%
HK$15,412
baseline
▲ 0.50% · 4.625%
HK$16,349
+HK$937/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$30,824/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$170,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,134
−HK$871/mo
▼ 0.25% · 3.875%
HK$16,566
−HK$439/mo
Today · 4.125%
HK$17,005
baseline
▲ 0.50% · 4.625%
HK$17,902
+HK$897/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$34,010/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$170,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,403
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$17,944
−HK$550/mo
Today · 4.125%
HK$18,494
baseline
▲ 0.50% · 4.625%
HK$19,619
+HK$1,125/mo
Deposit HK$2.54M · loan HK$3.82M · min. income ≈ HK$36,988/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$170,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,360
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,879
−HK$527/mo
Today · 4.125%
HK$20,406
baseline
▲ 0.50% · 4.625%
HK$21,482
+HK$1,076/mo
Deposit HK$2.54M · loan HK$3.82M · min. income ≈ HK$40,812/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$170,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,303
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$20,935
−HK$641/mo
Today · 4.125%
HK$21,576
baseline
▲ 0.50% · 4.625%
HK$22,889
+HK$1,313/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$43,152/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$170,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,587
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$23,193
−HK$614/mo
Today · 4.125%
HK$23,807
baseline
▲ 0.50% · 4.625%
HK$25,062
+HK$1,255/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$47,614/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$170,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,104
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$26,916
−HK$825/mo
Today · 4.125%
HK$27,741
baseline
▲ 0.50% · 4.625%
HK$29,429
+HK$1,688/mo
Deposit HK$636K · loan HK$5.72M · min. income ≈ HK$55,482/mo (50% DSR)
Upfront cash ≈ HK$807K (deposit + AVD stamp duty HK$170,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,040
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$29,819
−HK$790/mo
Today · 4.125%
HK$30,609
baseline
▲ 0.50% · 4.625%
HK$32,223
+HK$1,614/mo
Deposit HK$636K · loan HK$5.72M · min. income ≈ HK$61,218/mo (50% DSR)
Upfront cash ≈ HK$807K (deposit + AVD stamp duty HK$170,990 · 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).