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$14,493
−HK$908/mo
▼ 0.25% · 3.875%
HK$14,943
−HK$458/mo
Today · 4.125%
HK$15,401
baseline
▲ 0.50% · 4.625%
HK$16,338
+HK$937/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$30,802/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$170,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,123
−HK$871/mo
▼ 0.25% · 3.875%
HK$16,555
−HK$439/mo
Today · 4.125%
HK$16,994
baseline
▲ 0.50% · 4.625%
HK$17,890
+HK$896/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$33,988/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$170,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,391
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$17,932
−HK$550/mo
Today · 4.125%
HK$18,482
baseline
▲ 0.50% · 4.625%
HK$19,606
+HK$1,124/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$36,964/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$170,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,347
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,866
−HK$527/mo
Today · 4.125%
HK$20,393
baseline
▲ 0.50% · 4.625%
HK$21,468
+HK$1,075/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$40,786/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$170,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,290
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$20,921
−HK$641/mo
Today · 4.125%
HK$21,562
baseline
▲ 0.50% · 4.625%
HK$22,874
+HK$1,312/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$43,124/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$170,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,572
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,177
−HK$614/mo
Today · 4.125%
HK$23,791
baseline
▲ 0.50% · 4.625%
HK$25,045
+HK$1,254/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$47,582/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$170,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,087
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$26,898
−HK$824/mo
Today · 4.125%
HK$27,722
baseline
▲ 0.50% · 4.625%
HK$29,409
+HK$1,687/mo
Deposit HK$636K · loan HK$5.72M · min. income ≈ HK$55,444/mo (50% DSR)
Upfront cash ≈ HK$806K (deposit + AVD stamp duty HK$170,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,021
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,799
−HK$790/mo
Today · 4.125%
HK$30,589
baseline
▲ 0.50% · 4.625%
HK$32,201
+HK$1,612/mo
Deposit HK$636K · loan HK$5.72M · min. income ≈ HK$61,178/mo (50% DSR)
Upfront cash ≈ HK$806K (deposit + AVD stamp duty HK$170,566 · 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).