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$14,496
−HK$909/mo
▼ 0.25% · 3.875%
HK$14,947
−HK$458/mo
Today · 4.125%
HK$15,405
baseline
▲ 0.50% · 4.625%
HK$16,342
+HK$937/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$30,810/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$170,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,126
−HK$871/mo
▼ 0.25% · 3.875%
HK$16,559
−HK$438/mo
Today · 4.125%
HK$16,997
baseline
▲ 0.50% · 4.625%
HK$17,893
+HK$896/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$33,994/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$170,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,395
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$17,936
−HK$550/mo
Today · 4.125%
HK$18,486
baseline
▲ 0.50% · 4.625%
HK$19,610
+HK$1,124/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$36,972/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$170,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,351
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,870
−HK$527/mo
Today · 4.125%
HK$20,397
baseline
▲ 0.50% · 4.625%
HK$21,472
+HK$1,075/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$40,794/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$170,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,294
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$20,925
−HK$641/mo
Today · 4.125%
HK$21,566
baseline
▲ 0.50% · 4.625%
HK$22,879
+HK$1,313/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$43,132/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$170,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,577
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,182
−HK$614/mo
Today · 4.125%
HK$23,796
baseline
▲ 0.50% · 4.625%
HK$25,051
+HK$1,255/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$47,592/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$170,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,092
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$26,904
−HK$824/mo
Today · 4.125%
HK$27,728
baseline
▲ 0.50% · 4.625%
HK$29,415
+HK$1,687/mo
Deposit HK$636K · loan HK$5.72M · min. income ≈ HK$55,456/mo (50% DSR)
Upfront cash ≈ HK$806K (deposit + AVD stamp duty HK$170,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,027
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,806
−HK$789/mo
Today · 4.125%
HK$30,595
baseline
▲ 0.50% · 4.625%
HK$32,208
+HK$1,613/mo
Deposit HK$636K · loan HK$5.72M · min. income ≈ HK$61,190/mo (50% DSR)
Upfront cash ≈ HK$806K (deposit + AVD stamp duty HK$170,701 · 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).