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$14,551
−HK$913/mo
▼ 0.25% · 3.875%
HK$15,004
−HK$460/mo
Today · 4.125%
HK$15,464
baseline
▲ 0.50% · 4.625%
HK$16,405
+HK$941/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$30,928/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$173,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,188
−HK$875/mo
▼ 0.25% · 3.875%
HK$16,622
−HK$441/mo
Today · 4.125%
HK$17,063
baseline
▲ 0.50% · 4.625%
HK$17,962
+HK$899/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$34,126/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$173,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,461
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$18,004
−HK$552/mo
Today · 4.125%
HK$18,556
baseline
▲ 0.50% · 4.625%
HK$19,685
+HK$1,129/mo
Deposit HK$2.55M · loan HK$3.83M · min. income ≈ HK$37,112/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$173,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,426
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$19,947
−HK$528/mo
Today · 4.125%
HK$20,475
baseline
▲ 0.50% · 4.625%
HK$21,554
+HK$1,079/mo
Deposit HK$2.55M · loan HK$3.83M · min. income ≈ HK$40,950/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$173,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,372
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$21,005
−HK$644/mo
Today · 4.125%
HK$21,649
baseline
▲ 0.50% · 4.625%
HK$22,966
+HK$1,317/mo
Deposit HK$1.91M · loan HK$4.47M · min. income ≈ HK$43,298/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$173,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,663
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$23,271
−HK$617/mo
Today · 4.125%
HK$23,888
baseline
▲ 0.50% · 4.625%
HK$25,147
+HK$1,259/mo
Deposit HK$1.91M · loan HK$4.47M · min. income ≈ HK$47,776/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$173,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,192
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$27,007
−HK$827/mo
Today · 4.125%
HK$27,834
baseline
▲ 0.50% · 4.625%
HK$29,528
+HK$1,694/mo
Deposit HK$638K · loan HK$5.74M · min. income ≈ HK$55,668/mo (50% DSR)
Upfront cash ≈ HK$811K (deposit + AVD stamp duty HK$173,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,138
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$29,920
−HK$793/mo
Today · 4.125%
HK$30,713
baseline
▲ 0.50% · 4.625%
HK$32,331
+HK$1,618/mo
Deposit HK$638K · loan HK$5.74M · min. income ≈ HK$61,426/mo (50% DSR)
Upfront cash ≈ HK$811K (deposit + AVD stamp duty HK$173,135 · 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).