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$14,549
−HK$913/mo
▼ 0.25% · 3.875%
HK$15,002
−HK$460/mo
Today · 4.125%
HK$15,462
baseline
▲ 0.50% · 4.625%
HK$16,402
+HK$940/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$30,924/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$173,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,186
−HK$874/mo
▼ 0.25% · 3.875%
HK$16,620
−HK$440/mo
Today · 4.125%
HK$17,060
baseline
▲ 0.50% · 4.625%
HK$17,960
+HK$900/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$34,120/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$173,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,459
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$18,002
−HK$552/mo
Today · 4.125%
HK$18,554
baseline
▲ 0.50% · 4.625%
HK$19,683
+HK$1,129/mo
Deposit HK$2.55M · loan HK$3.83M · min. income ≈ HK$37,108/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$173,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,423
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$19,944
−HK$528/mo
Today · 4.125%
HK$20,472
baseline
▲ 0.50% · 4.625%
HK$21,551
+HK$1,079/mo
Deposit HK$2.55M · loan HK$3.83M · min. income ≈ HK$40,944/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$173,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,369
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$21,002
−HK$644/mo
Today · 4.125%
HK$21,646
baseline
▲ 0.50% · 4.625%
HK$22,963
+HK$1,317/mo
Deposit HK$1.91M · loan HK$4.47M · min. income ≈ HK$43,292/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$173,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,660
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$23,268
−HK$616/mo
Today · 4.125%
HK$23,884
baseline
▲ 0.50% · 4.625%
HK$25,143
+HK$1,259/mo
Deposit HK$1.91M · loan HK$4.47M · min. income ≈ HK$47,768/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$173,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,189
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$27,003
−HK$828/mo
Today · 4.125%
HK$27,831
baseline
▲ 0.50% · 4.625%
HK$29,524
+HK$1,693/mo
Deposit HK$638K · loan HK$5.74M · min. income ≈ HK$55,662/mo (50% DSR)
Upfront cash ≈ HK$811K (deposit + AVD stamp duty HK$173,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,134
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$29,916
−HK$793/mo
Today · 4.125%
HK$30,709
baseline
▲ 0.50% · 4.625%
HK$32,327
+HK$1,618/mo
Deposit HK$638K · loan HK$5.74M · min. income ≈ HK$61,418/mo (50% DSR)
Upfront cash ≈ HK$811K (deposit + AVD stamp duty HK$173,051 · 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).