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$14,531
−HK$911/mo
▼ 0.25% · 3.875%
HK$14,983
−HK$459/mo
Today · 4.125%
HK$15,442
baseline
▲ 0.50% · 4.625%
HK$16,382
+HK$940/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$30,884/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$172,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,165
−HK$874/mo
▼ 0.25% · 3.875%
HK$16,599
−HK$440/mo
Today · 4.125%
HK$17,039
baseline
▲ 0.50% · 4.625%
HK$17,937
+HK$898/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$34,078/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$172,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,437
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$17,979
−HK$551/mo
Today · 4.125%
HK$18,530
baseline
▲ 0.50% · 4.625%
HK$19,658
+HK$1,128/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$37,060/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$172,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,399
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,919
−HK$528/mo
Today · 4.125%
HK$20,447
baseline
▲ 0.50% · 4.625%
HK$21,524
+HK$1,077/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$40,894/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$172,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,343
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$20,976
−HK$643/mo
Today · 4.125%
HK$21,619
baseline
▲ 0.50% · 4.625%
HK$22,934
+HK$1,315/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$43,238/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$172,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,632
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$23,239
−HK$615/mo
Today · 4.125%
HK$23,854
baseline
▲ 0.50% · 4.625%
HK$25,112
+HK$1,258/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$47,708/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$172,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,156
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$26,969
−HK$827/mo
Today · 4.125%
HK$27,796
baseline
▲ 0.50% · 4.625%
HK$29,487
+HK$1,691/mo
Deposit HK$637K · loan HK$5.74M · min. income ≈ HK$55,592/mo (50% DSR)
Upfront cash ≈ HK$809K (deposit + AVD stamp duty HK$172,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,098
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$29,878
−HK$792/mo
Today · 4.125%
HK$30,670
baseline
▲ 0.50% · 4.625%
HK$32,287
+HK$1,617/mo
Deposit HK$637K · loan HK$5.74M · min. income ≈ HK$61,340/mo (50% DSR)
Upfront cash ≈ HK$809K (deposit + AVD stamp duty HK$172,248 · 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).