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$14,484
−HK$908/mo
▼ 0.25% · 3.875%
HK$14,934
−HK$458/mo
Today · 4.125%
HK$15,392
baseline
▲ 0.50% · 4.625%
HK$16,329
+HK$937/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$30,784/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$170,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,113
−HK$871/mo
▼ 0.25% · 3.875%
HK$16,545
−HK$439/mo
Today · 4.125%
HK$16,984
baseline
▲ 0.50% · 4.625%
HK$17,879
+HK$895/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$33,968/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$170,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,381
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$17,921
−HK$550/mo
Today · 4.125%
HK$18,471
baseline
▲ 0.50% · 4.625%
HK$19,595
+HK$1,124/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$36,942/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$170,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,336
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$19,854
−HK$527/mo
Today · 4.125%
HK$20,381
baseline
▲ 0.50% · 4.625%
HK$21,455
+HK$1,074/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$40,762/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$170,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,278
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$20,908
−HK$641/mo
Today · 4.125%
HK$21,549
baseline
▲ 0.50% · 4.625%
HK$22,860
+HK$1,311/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$43,098/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$170,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,559
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$23,164
−HK$613/mo
Today · 4.125%
HK$23,777
baseline
▲ 0.50% · 4.625%
HK$25,031
+HK$1,254/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$47,554/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$170,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,071
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$26,882
−HK$824/mo
Today · 4.125%
HK$27,706
baseline
▲ 0.50% · 4.625%
HK$29,392
+HK$1,686/mo
Deposit HK$635K · loan HK$5.72M · min. income ≈ HK$55,412/mo (50% DSR)
Upfront cash ≈ HK$805K (deposit + AVD stamp duty HK$170,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,004
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$29,782
−HK$789/mo
Today · 4.125%
HK$30,571
baseline
▲ 0.50% · 4.625%
HK$32,182
+HK$1,611/mo
Deposit HK$635K · loan HK$5.72M · min. income ≈ HK$61,142/mo (50% DSR)
Upfront cash ≈ HK$805K (deposit + AVD stamp duty HK$170,190 · 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).