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$14,519
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,970
−HK$459/mo
Today · 4.125%
HK$15,429
baseline
▲ 0.50% · 4.625%
HK$16,368
+HK$939/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$30,858/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$171,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,152
−HK$873/mo
▼ 0.25% · 3.875%
HK$16,585
−HK$440/mo
Today · 4.125%
HK$17,025
baseline
▲ 0.50% · 4.625%
HK$17,922
+HK$897/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$34,050/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$171,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,422
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$17,964
−HK$551/mo
Today · 4.125%
HK$18,515
baseline
▲ 0.50% · 4.625%
HK$19,642
+HK$1,127/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$37,030/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$171,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,382
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,902
−HK$528/mo
Today · 4.125%
HK$20,430
baseline
▲ 0.50% · 4.625%
HK$21,506
+HK$1,076/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$40,860/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$171,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,326
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$20,958
−HK$643/mo
Today · 4.125%
HK$21,601
baseline
▲ 0.50% · 4.625%
HK$22,915
+HK$1,314/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$43,202/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$171,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,613
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$23,219
−HK$615/mo
Today · 4.125%
HK$23,834
baseline
▲ 0.50% · 4.625%
HK$25,091
+HK$1,257/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$47,668/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$171,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,134
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$26,947
−HK$826/mo
Today · 4.125%
HK$27,773
baseline
▲ 0.50% · 4.625%
HK$29,462
+HK$1,689/mo
Deposit HK$637K · loan HK$5.73M · min. income ≈ HK$55,546/mo (50% DSR)
Upfront cash ≈ HK$808K (deposit + AVD stamp duty HK$171,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,074
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$29,853
−HK$791/mo
Today · 4.125%
HK$30,644
baseline
▲ 0.50% · 4.625%
HK$32,260
+HK$1,616/mo
Deposit HK$637K · loan HK$5.73M · min. income ≈ HK$61,288/mo (50% DSR)
Upfront cash ≈ HK$808K (deposit + AVD stamp duty HK$171,715 · 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).