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$14,488
−HK$909/mo
▼ 0.25% · 3.875%
HK$14,939
−HK$458/mo
Today · 4.125%
HK$15,397
baseline
▲ 0.50% · 4.625%
HK$16,334
+HK$937/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$30,794/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$170,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,118
−HK$871/mo
▼ 0.25% · 3.875%
HK$16,551
−HK$438/mo
Today · 4.125%
HK$16,989
baseline
▲ 0.50% · 4.625%
HK$17,885
+HK$896/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$33,978/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$170,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,386
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$17,927
−HK$549/mo
Today · 4.125%
HK$18,476
baseline
▲ 0.50% · 4.625%
HK$19,601
+HK$1,125/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$36,952/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$170,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,342
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$19,861
−HK$526/mo
Today · 4.125%
HK$20,387
baseline
▲ 0.50% · 4.625%
HK$21,462
+HK$1,075/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$40,774/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$170,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,284
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$20,915
−HK$641/mo
Today · 4.125%
HK$21,556
baseline
▲ 0.50% · 4.625%
HK$22,867
+HK$1,311/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$43,112/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$170,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,566
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,171
−HK$614/mo
Today · 4.125%
HK$23,785
baseline
▲ 0.50% · 4.625%
HK$25,038
+HK$1,253/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$47,570/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$170,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,079
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$26,890
−HK$825/mo
Today · 4.125%
HK$27,715
baseline
▲ 0.50% · 4.625%
HK$29,401
+HK$1,686/mo
Deposit HK$635K · loan HK$5.72M · min. income ≈ HK$55,430/mo (50% DSR)
Upfront cash ≈ HK$806K (deposit + AVD stamp duty HK$170,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,013
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$29,791
−HK$789/mo
Today · 4.125%
HK$30,580
baseline
▲ 0.50% · 4.625%
HK$32,192
+HK$1,612/mo
Deposit HK$635K · loan HK$5.72M · min. income ≈ HK$61,160/mo (50% DSR)
Upfront cash ≈ HK$806K (deposit + AVD stamp duty HK$170,389 · 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).