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$14,512
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,963
−HK$459/mo
Today · 4.125%
HK$15,422
baseline
▲ 0.50% · 4.625%
HK$16,360
+HK$938/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$30,844/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$171,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,144
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,577
−HK$439/mo
Today · 4.125%
HK$17,016
baseline
▲ 0.50% · 4.625%
HK$17,913
+HK$897/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$34,032/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$171,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,414
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$17,956
−HK$550/mo
Today · 4.125%
HK$18,506
baseline
▲ 0.50% · 4.625%
HK$19,632
+HK$1,126/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$37,012/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$171,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,373
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$19,892
−HK$528/mo
Today · 4.125%
HK$20,420
baseline
▲ 0.50% · 4.625%
HK$21,496
+HK$1,076/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$40,840/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$171,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,316
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$20,948
−HK$642/mo
Today · 4.125%
HK$21,590
baseline
▲ 0.50% · 4.625%
HK$22,904
+HK$1,314/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$43,180/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$171,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,602
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$23,208
−HK$615/mo
Today · 4.125%
HK$23,823
baseline
▲ 0.50% · 4.625%
HK$25,079
+HK$1,256/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$47,646/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$171,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,121
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$26,934
−HK$825/mo
Today · 4.125%
HK$27,759
baseline
▲ 0.50% · 4.625%
HK$29,448
+HK$1,689/mo
Deposit HK$636K · loan HK$5.73M · min. income ≈ HK$55,518/mo (50% DSR)
Upfront cash ≈ HK$808K (deposit + AVD stamp duty HK$171,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,059
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$29,839
−HK$790/mo
Today · 4.125%
HK$30,629
baseline
▲ 0.50% · 4.625%
HK$32,244
+HK$1,615/mo
Deposit HK$636K · loan HK$5.73M · min. income ≈ HK$61,258/mo (50% DSR)
Upfront cash ≈ HK$808K (deposit + AVD stamp duty HK$171,406 · 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).