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$14,514
−HK$911/mo
▼ 0.25% · 3.875%
HK$14,966
−HK$459/mo
Today · 4.125%
HK$15,425
baseline
▲ 0.50% · 4.625%
HK$16,363
+HK$938/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$30,850/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$171,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,147
−HK$873/mo
▼ 0.25% · 3.875%
HK$16,580
−HK$440/mo
Today · 4.125%
HK$17,020
baseline
▲ 0.50% · 4.625%
HK$17,917
+HK$897/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$34,040/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$171,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,417
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$17,959
−HK$551/mo
Today · 4.125%
HK$18,510
baseline
▲ 0.50% · 4.625%
HK$19,636
+HK$1,126/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$37,020/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$171,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,377
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,896
−HK$527/mo
Today · 4.125%
HK$20,423
baseline
▲ 0.50% · 4.625%
HK$21,500
+HK$1,077/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$40,846/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$171,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,320
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$20,952
−HK$642/mo
Today · 4.125%
HK$21,594
baseline
▲ 0.50% · 4.625%
HK$22,908
+HK$1,314/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$43,188/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$171,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,606
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$23,212
−HK$615/mo
Today · 4.125%
HK$23,827
baseline
▲ 0.50% · 4.625%
HK$25,083
+HK$1,256/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$47,654/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$171,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,126
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$26,939
−HK$825/mo
Today · 4.125%
HK$27,764
baseline
▲ 0.50% · 4.625%
HK$29,454
+HK$1,690/mo
Deposit HK$637K · loan HK$5.73M · min. income ≈ HK$55,528/mo (50% DSR)
Upfront cash ≈ HK$808K (deposit + AVD stamp duty HK$171,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,065
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$29,844
−HK$791/mo
Today · 4.125%
HK$30,635
baseline
▲ 0.50% · 4.625%
HK$32,250
+HK$1,615/mo
Deposit HK$637K · loan HK$5.73M · min. income ≈ HK$61,270/mo (50% DSR)
Upfront cash ≈ HK$808K (deposit + AVD stamp duty HK$171,526 · 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).