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$14,519
−HK$911/mo
▼ 0.25% · 3.875%
HK$14,971
−HK$459/mo
Today · 4.125%
HK$15,430
baseline
▲ 0.50% · 4.625%
HK$16,369
+HK$939/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$30,860/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$171,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,153
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,586
−HK$439/mo
Today · 4.125%
HK$17,025
baseline
▲ 0.50% · 4.625%
HK$17,923
+HK$898/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$34,050/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$171,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,423
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$17,965
−HK$551/mo
Today · 4.125%
HK$18,516
baseline
▲ 0.50% · 4.625%
HK$19,643
+HK$1,127/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$37,032/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$171,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,383
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,903
−HK$528/mo
Today · 4.125%
HK$20,431
baseline
▲ 0.50% · 4.625%
HK$21,507
+HK$1,076/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$40,862/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$171,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,327
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$20,960
−HK$642/mo
Today · 4.125%
HK$21,602
baseline
▲ 0.50% · 4.625%
HK$22,916
+HK$1,314/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$43,204/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$171,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,614
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$23,220
−HK$616/mo
Today · 4.125%
HK$23,836
baseline
▲ 0.50% · 4.625%
HK$25,092
+HK$1,256/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$47,672/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$171,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,135
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$26,948
−HK$826/mo
Today · 4.125%
HK$27,774
baseline
▲ 0.50% · 4.625%
HK$29,464
+HK$1,690/mo
Deposit HK$637K · loan HK$5.73M · min. income ≈ HK$55,548/mo (50% DSR)
Upfront cash ≈ HK$808K (deposit + AVD stamp duty HK$171,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,075
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$29,855
−HK$791/mo
Today · 4.125%
HK$30,646
baseline
▲ 0.50% · 4.625%
HK$32,261
+HK$1,615/mo
Deposit HK$637K · loan HK$5.73M · min. income ≈ HK$61,292/mo (50% DSR)
Upfront cash ≈ HK$808K (deposit + AVD stamp duty HK$171,747 · 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).