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$14,523
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,974
−HK$459/mo
Today · 4.125%
HK$15,433
baseline
▲ 0.50% · 4.625%
HK$16,372
+HK$939/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$30,866/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$171,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,156
−HK$873/mo
▼ 0.25% · 3.875%
HK$16,590
−HK$439/mo
Today · 4.125%
HK$17,029
baseline
▲ 0.50% · 4.625%
HK$17,927
+HK$898/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$34,058/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$171,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,427
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$17,969
−HK$551/mo
Today · 4.125%
HK$18,520
baseline
▲ 0.50% · 4.625%
HK$19,647
+HK$1,127/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$37,040/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$171,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,388
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$19,907
−HK$528/mo
Today · 4.125%
HK$20,435
baseline
▲ 0.50% · 4.625%
HK$21,512
+HK$1,077/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$40,870/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$171,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,332
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$20,964
−HK$643/mo
Today · 4.125%
HK$21,607
baseline
▲ 0.50% · 4.625%
HK$22,921
+HK$1,314/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$43,214/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$171,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,619
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$23,225
−HK$616/mo
Today · 4.125%
HK$23,841
baseline
▲ 0.50% · 4.625%
HK$25,097
+HK$1,256/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$47,682/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$171,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,141
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$26,954
−HK$826/mo
Today · 4.125%
HK$27,780
baseline
▲ 0.50% · 4.625%
HK$29,470
+HK$1,690/mo
Deposit HK$637K · loan HK$5.73M · min. income ≈ HK$55,560/mo (50% DSR)
Upfront cash ≈ HK$809K (deposit + AVD stamp duty HK$171,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,081
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$29,861
−HK$791/mo
Today · 4.125%
HK$30,652
baseline
▲ 0.50% · 4.625%
HK$32,268
+HK$1,616/mo
Deposit HK$637K · loan HK$5.73M · min. income ≈ HK$61,304/mo (50% DSR)
Upfront cash ≈ HK$809K (deposit + AVD stamp duty HK$171,886 · 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).