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$14,541
−HK$912/mo
▼ 0.25% · 3.875%
HK$14,993
−HK$460/mo
Today · 4.125%
HK$15,453
baseline
▲ 0.50% · 4.625%
HK$16,393
+HK$940/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$30,906/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$172,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,177
−HK$873/mo
▼ 0.25% · 3.875%
HK$16,610
−HK$440/mo
Today · 4.125%
HK$17,050
baseline
▲ 0.50% · 4.625%
HK$17,949
+HK$899/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$34,100/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$172,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,449
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$17,992
−HK$551/mo
Today · 4.125%
HK$18,543
baseline
▲ 0.50% · 4.625%
HK$19,671
+HK$1,128/mo
Deposit HK$2.55M · loan HK$3.83M · min. income ≈ HK$37,086/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$172,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,412
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$19,932
−HK$529/mo
Today · 4.125%
HK$20,461
baseline
▲ 0.50% · 4.625%
HK$21,539
+HK$1,078/mo
Deposit HK$2.55M · loan HK$3.83M · min. income ≈ HK$40,922/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$172,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,357
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$20,990
−HK$644/mo
Today · 4.125%
HK$21,634
baseline
▲ 0.50% · 4.625%
HK$22,950
+HK$1,316/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$43,268/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$172,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,647
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$23,255
−HK$616/mo
Today · 4.125%
HK$23,871
baseline
▲ 0.50% · 4.625%
HK$25,129
+HK$1,258/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$47,742/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$172,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,173
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$26,988
−HK$827/mo
Today · 4.125%
HK$27,815
baseline
▲ 0.50% · 4.625%
HK$29,507
+HK$1,692/mo
Deposit HK$638K · loan HK$5.74M · min. income ≈ HK$55,630/mo (50% DSR)
Upfront cash ≈ HK$810K (deposit + AVD stamp duty HK$172,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,118
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$29,899
−HK$792/mo
Today · 4.125%
HK$30,691
baseline
▲ 0.50% · 4.625%
HK$32,309
+HK$1,618/mo
Deposit HK$638K · loan HK$5.74M · min. income ≈ HK$61,382/mo (50% DSR)
Upfront cash ≈ HK$810K (deposit + AVD stamp duty HK$172,684 · 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).