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$14,518
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,970
−HK$458/mo
Today · 4.125%
HK$15,428
baseline
▲ 0.50% · 4.625%
HK$16,367
+HK$939/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$30,856/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$171,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,151
−HK$873/mo
▼ 0.25% · 3.875%
HK$16,584
−HK$440/mo
Today · 4.125%
HK$17,024
baseline
▲ 0.50% · 4.625%
HK$17,921
+HK$897/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$34,048/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$171,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,422
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$17,964
−HK$550/mo
Today · 4.125%
HK$18,514
baseline
▲ 0.50% · 4.625%
HK$19,641
+HK$1,127/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$37,028/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$171,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,381
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,901
−HK$528/mo
Today · 4.125%
HK$20,429
baseline
▲ 0.50% · 4.625%
HK$21,505
+HK$1,076/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$40,858/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$171,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,325
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$20,957
−HK$643/mo
Today · 4.125%
HK$21,600
baseline
▲ 0.50% · 4.625%
HK$22,914
+HK$1,314/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$43,200/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$171,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,612
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$23,218
−HK$615/mo
Today · 4.125%
HK$23,833
baseline
▲ 0.50% · 4.625%
HK$25,090
+HK$1,257/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$47,666/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$171,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,132
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$26,945
−HK$826/mo
Today · 4.125%
HK$27,771
baseline
▲ 0.50% · 4.625%
HK$29,461
+HK$1,690/mo
Deposit HK$637K · loan HK$5.73M · min. income ≈ HK$55,542/mo (50% DSR)
Upfront cash ≈ HK$808K (deposit + AVD stamp duty HK$171,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,072
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$29,852
−HK$791/mo
Today · 4.125%
HK$30,643
baseline
▲ 0.50% · 4.625%
HK$32,258
+HK$1,615/mo
Deposit HK$637K · loan HK$5.73M · min. income ≈ HK$61,286/mo (50% DSR)
Upfront cash ≈ HK$808K (deposit + AVD stamp duty HK$171,684 · 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).