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$14,543
−HK$912/mo
▼ 0.25% · 3.875%
HK$14,996
−HK$459/mo
Today · 4.125%
HK$15,455
baseline
▲ 0.50% · 4.625%
HK$16,396
+HK$941/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$30,910/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$172,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,179
−HK$875/mo
▼ 0.25% · 3.875%
HK$16,613
−HK$441/mo
Today · 4.125%
HK$17,054
baseline
▲ 0.50% · 4.625%
HK$17,952
+HK$898/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$34,108/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$172,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,452
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$17,995
−HK$552/mo
Today · 4.125%
HK$18,547
baseline
▲ 0.50% · 4.625%
HK$19,675
+HK$1,128/mo
Deposit HK$2.55M · loan HK$3.83M · min. income ≈ HK$37,094/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$172,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,415
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$19,936
−HK$528/mo
Today · 4.125%
HK$20,464
baseline
▲ 0.50% · 4.625%
HK$21,543
+HK$1,079/mo
Deposit HK$2.55M · loan HK$3.83M · min. income ≈ HK$40,928/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$172,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,361
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$20,994
−HK$644/mo
Today · 4.125%
HK$21,638
baseline
▲ 0.50% · 4.625%
HK$22,954
+HK$1,316/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$43,276/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$172,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,651
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$23,259
−HK$616/mo
Today · 4.125%
HK$23,875
baseline
▲ 0.50% · 4.625%
HK$25,133
+HK$1,258/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$47,750/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$172,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,178
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$26,993
−HK$827/mo
Today · 4.125%
HK$27,820
baseline
▲ 0.50% · 4.625%
HK$29,513
+HK$1,693/mo
Deposit HK$638K · loan HK$5.74M · min. income ≈ HK$55,640/mo (50% DSR)
Upfront cash ≈ HK$811K (deposit + AVD stamp duty HK$172,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,123
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$29,904
−HK$792/mo
Today · 4.125%
HK$30,696
baseline
▲ 0.50% · 4.625%
HK$32,314
+HK$1,618/mo
Deposit HK$638K · loan HK$5.74M · min. income ≈ HK$61,392/mo (50% DSR)
Upfront cash ≈ HK$811K (deposit + AVD stamp duty HK$172,799 · 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).