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$14,481
−HK$908/mo
▼ 0.25% · 3.875%
HK$14,931
−HK$458/mo
Today · 4.125%
HK$15,389
baseline
▲ 0.50% · 4.625%
HK$16,326
+HK$937/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$30,778/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$170,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,110
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,542
−HK$438/mo
Today · 4.125%
HK$16,980
baseline
▲ 0.50% · 4.625%
HK$17,875
+HK$895/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$33,960/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$170,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,377
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$17,918
−HK$549/mo
Today · 4.125%
HK$18,467
baseline
▲ 0.50% · 4.625%
HK$19,591
+HK$1,124/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$36,934/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$170,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,332
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$19,850
−HK$526/mo
Today · 4.125%
HK$20,376
baseline
▲ 0.50% · 4.625%
HK$21,451
+HK$1,075/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$40,752/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$170,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,273
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$20,904
−HK$641/mo
Today · 4.125%
HK$21,545
baseline
▲ 0.50% · 4.625%
HK$22,856
+HK$1,311/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$43,090/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$170,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,554
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,159
−HK$614/mo
Today · 4.125%
HK$23,773
baseline
▲ 0.50% · 4.625%
HK$25,026
+HK$1,253/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$47,546/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$170,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,066
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$26,877
−HK$823/mo
Today · 4.125%
HK$27,700
baseline
▲ 0.50% · 4.625%
HK$29,386
+HK$1,686/mo
Deposit HK$635K · loan HK$5.72M · min. income ≈ HK$55,400/mo (50% DSR)
Upfront cash ≈ HK$805K (deposit + AVD stamp duty HK$170,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,998
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$29,776
−HK$789/mo
Today · 4.125%
HK$30,565
baseline
▲ 0.50% · 4.625%
HK$32,176
+HK$1,611/mo
Deposit HK$635K · loan HK$5.72M · min. income ≈ HK$61,130/mo (50% DSR)
Upfront cash ≈ HK$805K (deposit + AVD stamp duty HK$170,062 · 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).