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$14,558
−HK$913/mo
▼ 0.25% · 3.875%
HK$15,011
−HK$460/mo
Today · 4.125%
HK$15,471
baseline
▲ 0.50% · 4.625%
HK$16,412
+HK$941/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$30,942/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$173,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,196
−HK$875/mo
▼ 0.25% · 3.875%
HK$16,630
−HK$441/mo
Today · 4.125%
HK$17,071
baseline
▲ 0.50% · 4.625%
HK$17,970
+HK$899/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$34,142/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$173,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,470
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$18,013
−HK$552/mo
Today · 4.125%
HK$18,565
baseline
▲ 0.50% · 4.625%
HK$19,695
+HK$1,130/mo
Deposit HK$2.55M · loan HK$3.83M · min. income ≈ HK$37,130/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$173,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,435
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,956
−HK$529/mo
Today · 4.125%
HK$20,485
baseline
▲ 0.50% · 4.625%
HK$21,565
+HK$1,080/mo
Deposit HK$2.55M · loan HK$3.83M · min. income ≈ HK$40,970/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$173,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,381
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$21,015
−HK$644/mo
Today · 4.125%
HK$21,659
baseline
▲ 0.50% · 4.625%
HK$22,977
+HK$1,318/mo
Deposit HK$1.92M · loan HK$4.47M · min. income ≈ HK$43,318/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$173,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,674
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$23,282
−HK$617/mo
Today · 4.125%
HK$23,899
baseline
▲ 0.50% · 4.625%
HK$25,159
+HK$1,260/mo
Deposit HK$1.92M · loan HK$4.47M · min. income ≈ HK$47,798/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$173,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,204
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$27,019
−HK$829/mo
Today · 4.125%
HK$27,848
baseline
▲ 0.50% · 4.625%
HK$29,542
+HK$1,694/mo
Deposit HK$638K · loan HK$5.75M · min. income ≈ HK$55,696/mo (50% DSR)
Upfront cash ≈ HK$812K (deposit + AVD stamp duty HK$173,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,152
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$29,934
−HK$793/mo
Today · 4.125%
HK$30,727
baseline
▲ 0.50% · 4.625%
HK$32,347
+HK$1,620/mo
Deposit HK$638K · loan HK$5.75M · min. income ≈ HK$61,454/mo (50% DSR)
Upfront cash ≈ HK$812K (deposit + AVD stamp duty HK$173,437 · 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).