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$14,569
−HK$914/mo
▼ 0.25% · 3.875%
HK$15,023
−HK$460/mo
Today · 4.125%
HK$15,483
baseline
▲ 0.50% · 4.625%
HK$16,425
+HK$942/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$30,966/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$173,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,208
−HK$876/mo
▼ 0.25% · 3.875%
HK$16,643
−HK$441/mo
Today · 4.125%
HK$17,084
baseline
▲ 0.50% · 4.625%
HK$17,985
+HK$901/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$34,168/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$173,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,483
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$18,027
−HK$553/mo
Today · 4.125%
HK$18,580
baseline
▲ 0.50% · 4.625%
HK$19,710
+HK$1,130/mo
Deposit HK$2.56M · loan HK$3.83M · min. income ≈ HK$37,160/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$173,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,450
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$19,972
−HK$529/mo
Today · 4.125%
HK$20,501
baseline
▲ 0.50% · 4.625%
HK$21,582
+HK$1,081/mo
Deposit HK$2.56M · loan HK$3.83M · min. income ≈ HK$41,002/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$173,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,397
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,032
−HK$644/mo
Today · 4.125%
HK$21,676
baseline
▲ 0.50% · 4.625%
HK$22,995
+HK$1,319/mo
Deposit HK$1.92M · loan HK$4.47M · min. income ≈ HK$43,352/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$173,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,692
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$23,300
−HK$618/mo
Today · 4.125%
HK$23,918
baseline
▲ 0.50% · 4.625%
HK$25,178
+HK$1,260/mo
Deposit HK$1.92M · loan HK$4.47M · min. income ≈ HK$47,836/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$173,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,225
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$27,041
−HK$829/mo
Today · 4.125%
HK$27,870
baseline
▲ 0.50% · 4.625%
HK$29,565
+HK$1,695/mo
Deposit HK$639K · loan HK$5.75M · min. income ≈ HK$55,740/mo (50% DSR)
Upfront cash ≈ HK$813K (deposit + AVD stamp duty HK$173,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,175
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$29,958
−HK$793/mo
Today · 4.125%
HK$30,751
baseline
▲ 0.50% · 4.625%
HK$32,372
+HK$1,621/mo
Deposit HK$639K · loan HK$5.75M · min. income ≈ HK$61,502/mo (50% DSR)
Upfront cash ≈ HK$813K (deposit + AVD stamp duty HK$173,940 · 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).