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$14,485
−HK$908/mo
▼ 0.25% · 3.875%
HK$14,935
−HK$458/mo
Today · 4.125%
HK$15,393
baseline
▲ 0.50% · 4.625%
HK$16,330
+HK$937/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$30,786/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$170,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,114
−HK$871/mo
▼ 0.25% · 3.875%
HK$16,546
−HK$439/mo
Today · 4.125%
HK$16,985
baseline
▲ 0.50% · 4.625%
HK$17,880
+HK$895/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$33,970/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$170,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,382
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$17,922
−HK$550/mo
Today · 4.125%
HK$18,472
baseline
▲ 0.50% · 4.625%
HK$19,595
+HK$1,123/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$36,944/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$170,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,337
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$19,855
−HK$527/mo
Today · 4.125%
HK$20,382
baseline
▲ 0.50% · 4.625%
HK$21,456
+HK$1,074/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$40,764/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$170,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,278
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$20,909
−HK$641/mo
Today · 4.125%
HK$21,550
baseline
▲ 0.50% · 4.625%
HK$22,861
+HK$1,311/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$43,100/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$170,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,560
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$23,165
−HK$613/mo
Today · 4.125%
HK$23,778
baseline
▲ 0.50% · 4.625%
HK$25,032
+HK$1,254/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$47,556/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$170,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,072
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$26,883
−HK$824/mo
Today · 4.125%
HK$27,707
baseline
▲ 0.50% · 4.625%
HK$29,393
+HK$1,686/mo
Deposit HK$635K · loan HK$5.72M · min. income ≈ HK$55,414/mo (50% DSR)
Upfront cash ≈ HK$805K (deposit + AVD stamp duty HK$170,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,005
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$29,783
−HK$789/mo
Today · 4.125%
HK$30,572
baseline
▲ 0.50% · 4.625%
HK$32,184
+HK$1,612/mo
Deposit HK$635K · loan HK$5.72M · min. income ≈ HK$61,144/mo (50% DSR)
Upfront cash ≈ HK$805K (deposit + AVD stamp duty HK$170,220 · 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).