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$14,559
−HK$913/mo
▼ 0.25% · 3.875%
HK$15,012
−HK$460/mo
Today · 4.125%
HK$15,472
baseline
▲ 0.50% · 4.625%
HK$16,414
+HK$942/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$30,944/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$173,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,197
−HK$875/mo
▼ 0.25% · 3.875%
HK$16,632
−HK$440/mo
Today · 4.125%
HK$17,072
baseline
▲ 0.50% · 4.625%
HK$17,972
+HK$900/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$34,144/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$173,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,471
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,015
−HK$552/mo
Today · 4.125%
HK$18,567
baseline
▲ 0.50% · 4.625%
HK$19,697
+HK$1,130/mo
Deposit HK$2.55M · loan HK$3.83M · min. income ≈ HK$37,134/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$173,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,437
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,958
−HK$529/mo
Today · 4.125%
HK$20,487
baseline
▲ 0.50% · 4.625%
HK$21,567
+HK$1,080/mo
Deposit HK$2.55M · loan HK$3.83M · min. income ≈ HK$40,974/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$173,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,383
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$21,017
−HK$644/mo
Today · 4.125%
HK$21,661
baseline
▲ 0.50% · 4.625%
HK$22,980
+HK$1,319/mo
Deposit HK$1.92M · loan HK$4.47M · min. income ≈ HK$43,322/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$173,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,676
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$23,284
−HK$617/mo
Today · 4.125%
HK$23,901
baseline
▲ 0.50% · 4.625%
HK$25,161
+HK$1,260/mo
Deposit HK$1.92M · loan HK$4.47M · min. income ≈ HK$47,802/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$173,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,207
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$27,022
−HK$828/mo
Today · 4.125%
HK$27,850
baseline
▲ 0.50% · 4.625%
HK$29,545
+HK$1,695/mo
Deposit HK$639K · loan HK$5.75M · min. income ≈ HK$55,700/mo (50% DSR)
Upfront cash ≈ HK$812K (deposit + AVD stamp duty HK$173,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,155
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$29,937
−HK$793/mo
Today · 4.125%
HK$30,730
baseline
▲ 0.50% · 4.625%
HK$32,350
+HK$1,620/mo
Deposit HK$639K · loan HK$5.75M · min. income ≈ HK$61,460/mo (50% DSR)
Upfront cash ≈ HK$812K (deposit + AVD stamp duty HK$173,502 · 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).