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$14,544
−HK$912/mo
▼ 0.25% · 3.875%
HK$14,996
−HK$460/mo
Today · 4.125%
HK$15,456
baseline
▲ 0.50% · 4.625%
HK$16,396
+HK$940/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$30,912/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$172,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,180
−HK$874/mo
▼ 0.25% · 3.875%
HK$16,614
−HK$440/mo
Today · 4.125%
HK$17,054
baseline
▲ 0.50% · 4.625%
HK$17,953
+HK$899/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$172,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,453
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$17,996
−HK$551/mo
Today · 4.125%
HK$18,547
baseline
▲ 0.50% · 4.625%
HK$19,676
+HK$1,129/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$172,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,416
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$19,937
−HK$528/mo
Today · 4.125%
HK$20,465
baseline
▲ 0.50% · 4.625%
HK$21,544
+HK$1,079/mo
Deposit HK$2.55M · loan HK$3.83M · min. income ≈ HK$40,930/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$172,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,362
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$20,995
−HK$643/mo
Today · 4.125%
HK$21,638
baseline
▲ 0.50% · 4.625%
HK$22,955
+HK$1,317/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$172,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,652
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$23,260
−HK$616/mo
Today · 4.125%
HK$23,876
baseline
▲ 0.50% · 4.625%
HK$25,134
+HK$1,258/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$47,752/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$172,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,179
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$26,993
−HK$828/mo
Today · 4.125%
HK$27,821
baseline
▲ 0.50% · 4.625%
HK$29,514
+HK$1,693/mo
Deposit HK$638K · loan HK$5.74M · min. income ≈ HK$55,642/mo (50% DSR)
Upfront cash ≈ HK$811K (deposit + AVD stamp duty HK$172,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,124
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$29,905
−HK$793/mo
Today · 4.125%
HK$30,698
baseline
▲ 0.50% · 4.625%
HK$32,316
+HK$1,618/mo
Deposit HK$638K · loan HK$5.74M · min. income ≈ HK$61,396/mo (50% DSR)
Upfront cash ≈ HK$811K (deposit + AVD stamp duty HK$172,823 · 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).