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$14,525
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,976
−HK$459/mo
Today · 4.125%
HK$15,435
baseline
▲ 0.50% · 4.625%
HK$16,375
+HK$940/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$30,870/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$171,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,158
−HK$873/mo
▼ 0.25% · 3.875%
HK$16,592
−HK$439/mo
Today · 4.125%
HK$17,031
baseline
▲ 0.50% · 4.625%
HK$17,929
+HK$898/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$34,062/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$171,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,429
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$17,972
−HK$550/mo
Today · 4.125%
HK$18,522
baseline
▲ 0.50% · 4.625%
HK$19,649
+HK$1,127/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$37,044/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$171,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,390
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,910
−HK$528/mo
Today · 4.125%
HK$20,438
baseline
▲ 0.50% · 4.625%
HK$21,515
+HK$1,077/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$40,876/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$171,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,334
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$20,967
−HK$643/mo
Today · 4.125%
HK$21,610
baseline
▲ 0.50% · 4.625%
HK$22,924
+HK$1,314/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$43,220/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$171,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,622
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$23,228
−HK$616/mo
Today · 4.125%
HK$23,844
baseline
▲ 0.50% · 4.625%
HK$25,101
+HK$1,257/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$47,688/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$171,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,144
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$26,957
−HK$827/mo
Today · 4.125%
HK$27,784
baseline
▲ 0.50% · 4.625%
HK$29,474
+HK$1,690/mo
Deposit HK$637K · loan HK$5.73M · min. income ≈ HK$55,568/mo (50% DSR)
Upfront cash ≈ HK$809K (deposit + AVD stamp duty HK$171,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,085
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$29,865
−HK$792/mo
Today · 4.125%
HK$30,657
baseline
▲ 0.50% · 4.625%
HK$32,272
+HK$1,615/mo
Deposit HK$637K · loan HK$5.73M · min. income ≈ HK$61,314/mo (50% DSR)
Upfront cash ≈ HK$809K (deposit + AVD stamp duty HK$171,971 · 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).