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$14,534
−HK$911/mo
▼ 0.25% · 3.875%
HK$14,986
−HK$459/mo
Today · 4.125%
HK$15,445
baseline
▲ 0.50% · 4.625%
HK$16,385
+HK$940/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$30,890/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$172,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,169
−HK$873/mo
▼ 0.25% · 3.875%
HK$16,602
−HK$440/mo
Today · 4.125%
HK$17,042
baseline
▲ 0.50% · 4.625%
HK$17,940
+HK$898/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$34,084/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$172,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,440
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$17,983
−HK$551/mo
Today · 4.125%
HK$18,534
baseline
▲ 0.50% · 4.625%
HK$19,662
+HK$1,128/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$37,068/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$172,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,402
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,923
−HK$527/mo
Today · 4.125%
HK$20,450
baseline
▲ 0.50% · 4.625%
HK$21,528
+HK$1,078/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$40,900/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$172,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,347
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$20,980
−HK$643/mo
Today · 4.125%
HK$21,623
baseline
▲ 0.50% · 4.625%
HK$22,939
+HK$1,316/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$43,246/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$172,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,636
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$23,243
−HK$616/mo
Today · 4.125%
HK$23,859
baseline
▲ 0.50% · 4.625%
HK$25,116
+HK$1,257/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$47,718/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$172,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,161
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$26,974
−HK$827/mo
Today · 4.125%
HK$27,801
baseline
▲ 0.50% · 4.625%
HK$29,493
+HK$1,692/mo
Deposit HK$637K · loan HK$5.74M · min. income ≈ HK$55,602/mo (50% DSR)
Upfront cash ≈ HK$810K (deposit + AVD stamp duty HK$172,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,103
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$29,884
−HK$792/mo
Today · 4.125%
HK$30,676
baseline
▲ 0.50% · 4.625%
HK$32,293
+HK$1,617/mo
Deposit HK$637K · loan HK$5.74M · min. income ≈ HK$61,352/mo (50% DSR)
Upfront cash ≈ HK$810K (deposit + AVD stamp duty HK$172,368 · 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).