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$14,500
−HK$909/mo
▼ 0.25% · 3.875%
HK$14,951
−HK$458/mo
Today · 4.125%
HK$15,409
baseline
▲ 0.50% · 4.625%
HK$16,347
+HK$938/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$30,818/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$170,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,131
−HK$871/mo
▼ 0.25% · 3.875%
HK$16,563
−HK$439/mo
Today · 4.125%
HK$17,002
baseline
▲ 0.50% · 4.625%
HK$17,899
+HK$897/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$34,004/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$170,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,400
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$17,941
−HK$550/mo
Today · 4.125%
HK$18,491
baseline
▲ 0.50% · 4.625%
HK$19,616
+HK$1,125/mo
Deposit HK$2.54M · loan HK$3.82M · min. income ≈ HK$36,982/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$170,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,357
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,876
−HK$527/mo
Today · 4.125%
HK$20,403
baseline
▲ 0.50% · 4.625%
HK$21,478
+HK$1,075/mo
Deposit HK$2.54M · loan HK$3.82M · min. income ≈ HK$40,806/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$170,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,300
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$20,931
−HK$642/mo
Today · 4.125%
HK$21,573
baseline
▲ 0.50% · 4.625%
HK$22,885
+HK$1,312/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$43,146/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$170,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,583
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$23,189
−HK$614/mo
Today · 4.125%
HK$23,803
baseline
▲ 0.50% · 4.625%
HK$25,058
+HK$1,255/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$47,606/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$170,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,100
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$26,911
−HK$825/mo
Today · 4.125%
HK$27,736
baseline
▲ 0.50% · 4.625%
HK$29,424
+HK$1,688/mo
Deposit HK$636K · loan HK$5.72M · min. income ≈ HK$55,472/mo (50% DSR)
Upfront cash ≈ HK$807K (deposit + AVD stamp duty HK$170,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,036
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,814
−HK$790/mo
Today · 4.125%
HK$30,604
baseline
▲ 0.50% · 4.625%
HK$32,217
+HK$1,613/mo
Deposit HK$636K · loan HK$5.72M · min. income ≈ HK$61,208/mo (50% DSR)
Upfront cash ≈ HK$807K (deposit + AVD stamp duty HK$170,885 · 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).