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$14,506
−HK$909/mo
▼ 0.25% · 3.875%
HK$14,957
−HK$458/mo
Today · 4.125%
HK$15,415
baseline
▲ 0.50% · 4.625%
HK$16,353
+HK$938/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$30,830/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$171,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,137
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,570
−HK$439/mo
Today · 4.125%
HK$17,009
baseline
▲ 0.50% · 4.625%
HK$17,906
+HK$897/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$34,018/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$171,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,407
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$17,948
−HK$550/mo
Today · 4.125%
HK$18,498
baseline
▲ 0.50% · 4.625%
HK$19,624
+HK$1,126/mo
Deposit HK$2.54M · loan HK$3.82M · min. income ≈ HK$36,996/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$171,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,365
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,884
−HK$527/mo
Today · 4.125%
HK$20,411
baseline
▲ 0.50% · 4.625%
HK$21,487
+HK$1,076/mo
Deposit HK$2.54M · loan HK$3.82M · min. income ≈ HK$40,822/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$171,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,308
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$20,939
−HK$642/mo
Today · 4.125%
HK$21,581
baseline
▲ 0.50% · 4.625%
HK$22,894
+HK$1,313/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$43,162/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$171,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,592
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$23,198
−HK$615/mo
Today · 4.125%
HK$23,813
baseline
▲ 0.50% · 4.625%
HK$25,068
+HK$1,255/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$47,626/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$171,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,110
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$26,922
−HK$825/mo
Today · 4.125%
HK$27,747
baseline
▲ 0.50% · 4.625%
HK$29,436
+HK$1,689/mo
Deposit HK$636K · loan HK$5.73M · min. income ≈ HK$55,494/mo (50% DSR)
Upfront cash ≈ HK$807K (deposit + AVD stamp duty HK$171,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,047
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$29,826
−HK$790/mo
Today · 4.125%
HK$30,616
baseline
▲ 0.50% · 4.625%
HK$32,230
+HK$1,614/mo
Deposit HK$636K · loan HK$5.73M · min. income ≈ HK$61,232/mo (50% DSR)
Upfront cash ≈ HK$807K (deposit + AVD stamp duty HK$171,136 · 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).