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$14,565
−HK$913/mo
▼ 0.25% · 3.875%
HK$15,018
−HK$460/mo
Today · 4.125%
HK$15,478
baseline
▲ 0.50% · 4.625%
HK$16,420
+HK$942/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$30,956/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$173,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,203
−HK$875/mo
▼ 0.25% · 3.875%
HK$16,638
−HK$440/mo
Today · 4.125%
HK$17,078
baseline
▲ 0.50% · 4.625%
HK$17,979
+HK$901/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$34,156/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$173,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,478
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,021
−HK$553/mo
Today · 4.125%
HK$18,574
baseline
▲ 0.50% · 4.625%
HK$19,704
+HK$1,130/mo
Deposit HK$2.55M · loan HK$3.83M · min. income ≈ HK$37,148/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$173,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,444
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,965
−HK$529/mo
Today · 4.125%
HK$20,494
baseline
▲ 0.50% · 4.625%
HK$21,574
+HK$1,080/mo
Deposit HK$2.55M · loan HK$3.83M · min. income ≈ HK$40,988/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$173,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,390
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,025
−HK$644/mo
Today · 4.125%
HK$21,669
baseline
▲ 0.50% · 4.625%
HK$22,988
+HK$1,319/mo
Deposit HK$1.92M · loan HK$4.47M · min. income ≈ HK$43,338/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$173,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,684
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$23,293
−HK$617/mo
Today · 4.125%
HK$23,910
baseline
▲ 0.50% · 4.625%
HK$25,170
+HK$1,260/mo
Deposit HK$1.92M · loan HK$4.47M · min. income ≈ HK$47,820/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$173,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,216
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$27,032
−HK$828/mo
Today · 4.125%
HK$27,860
baseline
▲ 0.50% · 4.625%
HK$29,555
+HK$1,695/mo
Deposit HK$639K · loan HK$5.75M · min. income ≈ HK$55,720/mo (50% DSR)
Upfront cash ≈ HK$812K (deposit + AVD stamp duty HK$173,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,165
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$29,948
−HK$793/mo
Today · 4.125%
HK$30,741
baseline
▲ 0.50% · 4.625%
HK$32,361
+HK$1,620/mo
Deposit HK$639K · loan HK$5.75M · min. income ≈ HK$61,482/mo (50% DSR)
Upfront cash ≈ HK$812K (deposit + AVD stamp duty HK$173,726 · 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).