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$14,486
−HK$909/mo
▼ 0.25% · 3.875%
HK$14,937
−HK$458/mo
Today · 4.125%
HK$15,395
baseline
▲ 0.50% · 4.625%
HK$16,331
+HK$936/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$30,790/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$170,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,116
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,548
−HK$438/mo
Today · 4.125%
HK$16,986
baseline
▲ 0.50% · 4.625%
HK$17,882
+HK$896/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$33,972/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$170,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,383
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$17,924
−HK$550/mo
Today · 4.125%
HK$18,474
baseline
▲ 0.50% · 4.625%
HK$19,598
+HK$1,124/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$36,948/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$170,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,339
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$19,858
−HK$526/mo
Today · 4.125%
HK$20,384
baseline
▲ 0.50% · 4.625%
HK$21,458
+HK$1,074/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$40,768/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$170,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,281
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$20,912
−HK$640/mo
Today · 4.125%
HK$21,552
baseline
▲ 0.50% · 4.625%
HK$22,864
+HK$1,312/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$43,104/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$170,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,562
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,167
−HK$614/mo
Today · 4.125%
HK$23,781
baseline
▲ 0.50% · 4.625%
HK$25,035
+HK$1,254/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$47,562/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$170,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,075
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$26,886
−HK$824/mo
Today · 4.125%
HK$27,710
baseline
▲ 0.50% · 4.625%
HK$29,396
+HK$1,686/mo
Deposit HK$635K · loan HK$5.72M · min. income ≈ HK$55,420/mo (50% DSR)
Upfront cash ≈ HK$806K (deposit + AVD stamp duty HK$170,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,008
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,786
−HK$790/mo
Today · 4.125%
HK$30,576
baseline
▲ 0.50% · 4.625%
HK$32,187
+HK$1,611/mo
Deposit HK$635K · loan HK$5.72M · min. income ≈ HK$61,152/mo (50% DSR)
Upfront cash ≈ HK$806K (deposit + AVD stamp duty HK$170,290 · 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).