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$14,555
−HK$913/mo
▼ 0.25% · 3.875%
HK$15,008
−HK$460/mo
Today · 4.125%
HK$15,468
baseline
▲ 0.50% · 4.625%
HK$16,409
+HK$941/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$30,936/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$173,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,193
−HK$875/mo
▼ 0.25% · 3.875%
HK$16,627
−HK$441/mo
Today · 4.125%
HK$17,068
baseline
▲ 0.50% · 4.625%
HK$17,967
+HK$899/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$34,136/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$173,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,466
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,010
−HK$552/mo
Today · 4.125%
HK$18,562
baseline
▲ 0.50% · 4.625%
HK$19,691
+HK$1,129/mo
Deposit HK$2.55M · loan HK$3.83M · min. income ≈ HK$37,124/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$173,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,431
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,952
−HK$529/mo
Today · 4.125%
HK$20,481
baseline
▲ 0.50% · 4.625%
HK$21,561
+HK$1,080/mo
Deposit HK$2.55M · loan HK$3.83M · min. income ≈ HK$40,962/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$173,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,378
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$21,011
−HK$644/mo
Today · 4.125%
HK$21,655
baseline
▲ 0.50% · 4.625%
HK$22,973
+HK$1,318/mo
Deposit HK$1.91M · loan HK$4.47M · min. income ≈ HK$43,310/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$173,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,670
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$23,278
−HK$617/mo
Today · 4.125%
HK$23,895
baseline
▲ 0.50% · 4.625%
HK$25,154
+HK$1,259/mo
Deposit HK$1.91M · loan HK$4.47M · min. income ≈ HK$47,790/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$173,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,200
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$27,015
−HK$828/mo
Today · 4.125%
HK$27,843
baseline
▲ 0.50% · 4.625%
HK$29,537
+HK$1,694/mo
Deposit HK$638K · loan HK$5.74M · min. income ≈ HK$55,686/mo (50% DSR)
Upfront cash ≈ HK$812K (deposit + AVD stamp duty HK$173,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,147
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$29,929
−HK$793/mo
Today · 4.125%
HK$30,722
baseline
▲ 0.50% · 4.625%
HK$32,341
+HK$1,619/mo
Deposit HK$638K · loan HK$5.74M · min. income ≈ HK$61,444/mo (50% DSR)
Upfront cash ≈ HK$812K (deposit + AVD stamp duty HK$173,324 · 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).