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$14,483
−HK$909/mo
▼ 0.25% · 3.875%
HK$14,934
−HK$458/mo
Today · 4.125%
HK$15,392
baseline
▲ 0.50% · 4.625%
HK$16,328
+HK$936/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$30,784/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$170,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,113
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,545
−HK$438/mo
Today · 4.125%
HK$16,983
baseline
▲ 0.50% · 4.625%
HK$17,878
+HK$895/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$33,966/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$170,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,380
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$17,921
−HK$549/mo
Today · 4.125%
HK$18,470
baseline
▲ 0.50% · 4.625%
HK$19,594
+HK$1,124/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$36,940/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$170,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,335
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$19,854
−HK$526/mo
Today · 4.125%
HK$20,380
baseline
▲ 0.50% · 4.625%
HK$21,454
+HK$1,074/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$40,760/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$170,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,277
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$20,907
−HK$641/mo
Today · 4.125%
HK$21,548
baseline
▲ 0.50% · 4.625%
HK$22,859
+HK$1,311/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$43,096/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$170,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,558
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$23,163
−HK$613/mo
Today · 4.125%
HK$23,776
baseline
▲ 0.50% · 4.625%
HK$25,030
+HK$1,254/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$47,552/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$170,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,070
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$26,881
−HK$824/mo
Today · 4.125%
HK$27,705
baseline
▲ 0.50% · 4.625%
HK$29,391
+HK$1,686/mo
Deposit HK$635K · loan HK$5.72M · min. income ≈ HK$55,410/mo (50% DSR)
Upfront cash ≈ HK$805K (deposit + AVD stamp duty HK$170,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,003
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,780
−HK$789/mo
Today · 4.125%
HK$30,569
baseline
▲ 0.50% · 4.625%
HK$32,181
+HK$1,612/mo
Deposit HK$635K · loan HK$5.72M · min. income ≈ HK$61,138/mo (50% DSR)
Upfront cash ≈ HK$805K (deposit + AVD stamp duty HK$170,161 · 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).