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$14,508
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,960
−HK$458/mo
Today · 4.125%
HK$15,418
baseline
▲ 0.50% · 4.625%
HK$16,356
+HK$938/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$30,836/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$171,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,140
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,573
−HK$439/mo
Today · 4.125%
HK$17,012
baseline
▲ 0.50% · 4.625%
HK$17,909
+HK$897/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$34,024/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$171,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,410
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$17,951
−HK$551/mo
Today · 4.125%
HK$18,502
baseline
▲ 0.50% · 4.625%
HK$19,627
+HK$1,125/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$37,004/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$171,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,368
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$19,888
−HK$527/mo
Today · 4.125%
HK$20,415
baseline
▲ 0.50% · 4.625%
HK$21,491
+HK$1,076/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$40,830/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$171,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,312
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$20,943
−HK$642/mo
Today · 4.125%
HK$21,585
baseline
▲ 0.50% · 4.625%
HK$22,899
+HK$1,314/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$43,170/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$171,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,596
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$23,202
−HK$615/mo
Today · 4.125%
HK$23,817
baseline
▲ 0.50% · 4.625%
HK$25,073
+HK$1,256/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$47,634/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$171,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,115
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$26,927
−HK$825/mo
Today · 4.125%
HK$27,752
baseline
▲ 0.50% · 4.625%
HK$29,441
+HK$1,689/mo
Deposit HK$636K · loan HK$5.73M · min. income ≈ HK$55,504/mo (50% DSR)
Upfront cash ≈ HK$808K (deposit + AVD stamp duty HK$171,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,053
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$29,832
−HK$790/mo
Today · 4.125%
HK$30,622
baseline
▲ 0.50% · 4.625%
HK$32,236
+HK$1,614/mo
Deposit HK$636K · loan HK$5.73M · min. income ≈ HK$61,244/mo (50% DSR)
Upfront cash ≈ HK$808K (deposit + AVD stamp duty HK$171,256 · 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).