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$14,509
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,961
−HK$458/mo
Today · 4.125%
HK$15,419
baseline
▲ 0.50% · 4.625%
HK$16,357
+HK$938/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$30,838/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$171,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,141
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,574
−HK$439/mo
Today · 4.125%
HK$17,013
baseline
▲ 0.50% · 4.625%
HK$17,910
+HK$897/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$34,026/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$171,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,411
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$17,953
−HK$550/mo
Today · 4.125%
HK$18,503
baseline
▲ 0.50% · 4.625%
HK$19,629
+HK$1,126/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$37,006/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$171,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,370
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,889
−HK$527/mo
Today · 4.125%
HK$20,416
baseline
▲ 0.50% · 4.625%
HK$21,492
+HK$1,076/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$40,832/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$171,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,313
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$20,945
−HK$642/mo
Today · 4.125%
HK$21,587
baseline
▲ 0.50% · 4.625%
HK$22,900
+HK$1,313/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$43,174/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$171,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,598
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$23,204
−HK$615/mo
Today · 4.125%
HK$23,819
baseline
▲ 0.50% · 4.625%
HK$25,074
+HK$1,255/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$47,638/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$171,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,117
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$26,929
−HK$825/mo
Today · 4.125%
HK$27,754
baseline
▲ 0.50% · 4.625%
HK$29,443
+HK$1,689/mo
Deposit HK$636K · loan HK$5.73M · min. income ≈ HK$55,508/mo (50% DSR)
Upfront cash ≈ HK$808K (deposit + AVD stamp duty HK$171,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,054
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$29,834
−HK$790/mo
Today · 4.125%
HK$30,624
baseline
▲ 0.50% · 4.625%
HK$32,238
+HK$1,614/mo
Deposit HK$636K · loan HK$5.73M · min. income ≈ HK$61,248/mo (50% DSR)
Upfront cash ≈ HK$808K (deposit + AVD stamp duty HK$171,299 · 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).