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$14,537
−HK$912/mo
▼ 0.25% · 3.875%
HK$14,989
−HK$460/mo
Today · 4.125%
HK$15,449
baseline
▲ 0.50% · 4.625%
HK$16,389
+HK$940/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$30,898/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$172,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,172
−HK$874/mo
▼ 0.25% · 3.875%
HK$16,606
−HK$440/mo
Today · 4.125%
HK$17,046
baseline
▲ 0.50% · 4.625%
HK$17,945
+HK$899/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$34,092/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$172,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,445
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$17,987
−HK$552/mo
Today · 4.125%
HK$18,539
baseline
▲ 0.50% · 4.625%
HK$19,667
+HK$1,128/mo
Deposit HK$2.55M · loan HK$3.83M · min. income ≈ HK$37,078/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$172,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,407
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,927
−HK$528/mo
Today · 4.125%
HK$20,455
baseline
▲ 0.50% · 4.625%
HK$21,534
+HK$1,079/mo
Deposit HK$2.55M · loan HK$3.83M · min. income ≈ HK$40,910/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$172,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,352
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$20,985
−HK$643/mo
Today · 4.125%
HK$21,628
baseline
▲ 0.50% · 4.625%
HK$22,944
+HK$1,316/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$43,256/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$172,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,641
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$23,249
−HK$616/mo
Today · 4.125%
HK$23,865
baseline
▲ 0.50% · 4.625%
HK$25,123
+HK$1,258/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$47,730/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$172,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,167
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$26,981
−HK$827/mo
Today · 4.125%
HK$27,808
baseline
▲ 0.50% · 4.625%
HK$29,500
+HK$1,692/mo
Deposit HK$638K · loan HK$5.74M · min. income ≈ HK$55,616/mo (50% DSR)
Upfront cash ≈ HK$810K (deposit + AVD stamp duty HK$172,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,110
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$29,891
−HK$792/mo
Today · 4.125%
HK$30,683
baseline
▲ 0.50% · 4.625%
HK$32,300
+HK$1,617/mo
Deposit HK$638K · loan HK$5.74M · min. income ≈ HK$61,366/mo (50% DSR)
Upfront cash ≈ HK$810K (deposit + AVD stamp duty HK$172,523 · 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).