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$14,556
−HK$913/mo
▼ 0.25% · 3.875%
HK$15,009
−HK$460/mo
Today · 4.125%
HK$15,469
baseline
▲ 0.50% · 4.625%
HK$16,410
+HK$941/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$30,938/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$173,342 · 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$17,968
+HK$900/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$34,136/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$173,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,467
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$18,010
−HK$552/mo
Today · 4.125%
HK$18,562
baseline
▲ 0.50% · 4.625%
HK$19,692
+HK$1,130/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$173,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,432
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,953
−HK$529/mo
Today · 4.125%
HK$20,482
baseline
▲ 0.50% · 4.625%
HK$21,561
+HK$1,079/mo
Deposit HK$2.55M · loan HK$3.83M · min. income ≈ HK$40,964/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$173,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,378
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$21,012
−HK$644/mo
Today · 4.125%
HK$21,656
baseline
▲ 0.50% · 4.625%
HK$22,974
+HK$1,318/mo
Deposit HK$1.92M · loan HK$4.47M · min. income ≈ HK$43,312/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$173,342 · 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$25,155
+HK$1,260/mo
Deposit HK$1.92M · loan HK$4.47M · min. income ≈ HK$47,790/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$173,342 · 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$29,538
+HK$1,695/mo
Deposit HK$638K · loan HK$5.75M · min. income ≈ HK$55,686/mo (50% DSR)
Upfront cash ≈ HK$812K (deposit + AVD stamp duty HK$173,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,148
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$29,929
−HK$794/mo
Today · 4.125%
HK$30,723
baseline
▲ 0.50% · 4.625%
HK$32,342
+HK$1,619/mo
Deposit HK$638K · loan HK$5.75M · min. income ≈ HK$61,446/mo (50% DSR)
Upfront cash ≈ HK$812K (deposit + AVD stamp duty HK$173,342 · 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).