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$173,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,204
−HK$875/mo
▼ 0.25% · 3.875%
HK$16,638
−HK$441/mo
Today · 4.125%
HK$17,079
baseline
▲ 0.50% · 4.625%
HK$17,979
+HK$900/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$34,158/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$173,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,478
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,022
−HK$552/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$173,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,444
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$19,966
−HK$529/mo
Today · 4.125%
HK$20,495
baseline
▲ 0.50% · 4.625%
HK$21,575
+HK$1,080/mo
Deposit HK$2.55M · loan HK$3.83M · min. income ≈ HK$40,990/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$173,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,391
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,025
−HK$645/mo
Today · 4.125%
HK$21,670
baseline
▲ 0.50% · 4.625%
HK$22,988
+HK$1,318/mo
Deposit HK$1.92M · loan HK$4.47M · min. income ≈ HK$43,340/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$173,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,685
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$23,293
−HK$618/mo
Today · 4.125%
HK$23,911
baseline
▲ 0.50% · 4.625%
HK$25,171
+HK$1,260/mo
Deposit HK$1.92M · loan HK$4.47M · min. income ≈ HK$47,822/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$173,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,217
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$27,033
−HK$828/mo
Today · 4.125%
HK$27,861
baseline
▲ 0.50% · 4.625%
HK$29,556
+HK$1,695/mo
Deposit HK$639K · loan HK$5.75M · min. income ≈ HK$55,722/mo (50% DSR)
Upfront cash ≈ HK$812K (deposit + AVD stamp duty HK$173,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,166
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$29,949
−HK$793/mo
Today · 4.125%
HK$30,742
baseline
▲ 0.50% · 4.625%
HK$32,363
+HK$1,621/mo
Deposit HK$639K · loan HK$5.75M · min. income ≈ HK$61,484/mo (50% DSR)
Upfront cash ≈ HK$812K (deposit + AVD stamp duty HK$173,748 · 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).