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$14,514
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,966
−HK$458/mo
Today · 4.125%
HK$15,424
baseline
▲ 0.50% · 4.625%
HK$16,363
+HK$939/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$30,848/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$171,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,147
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,580
−HK$439/mo
Today · 4.125%
HK$17,019
baseline
▲ 0.50% · 4.625%
HK$17,916
+HK$897/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$34,038/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$171,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,417
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$17,959
−HK$550/mo
Today · 4.125%
HK$18,509
baseline
▲ 0.50% · 4.625%
HK$19,635
+HK$1,126/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$37,018/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$171,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,376
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$19,896
−HK$527/mo
Today · 4.125%
HK$20,423
baseline
▲ 0.50% · 4.625%
HK$21,500
+HK$1,077/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$40,846/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$171,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,320
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$20,952
−HK$642/mo
Today · 4.125%
HK$21,594
baseline
▲ 0.50% · 4.625%
HK$22,908
+HK$1,314/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$43,188/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$171,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,606
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$23,212
−HK$615/mo
Today · 4.125%
HK$23,827
baseline
▲ 0.50% · 4.625%
HK$25,083
+HK$1,256/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$47,654/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$171,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,125
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$26,938
−HK$826/mo
Today · 4.125%
HK$27,764
baseline
▲ 0.50% · 4.625%
HK$29,453
+HK$1,689/mo
Deposit HK$637K · loan HK$5.73M · min. income ≈ HK$55,528/mo (50% DSR)
Upfront cash ≈ HK$808K (deposit + AVD stamp duty HK$171,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,064
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$29,844
−HK$791/mo
Today · 4.125%
HK$30,635
baseline
▲ 0.50% · 4.625%
HK$32,249
+HK$1,614/mo
Deposit HK$637K · loan HK$5.73M · min. income ≈ HK$61,270/mo (50% DSR)
Upfront cash ≈ HK$808K (deposit + AVD stamp duty HK$171,514 · 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).