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$14,548
−HK$912/mo
▼ 0.25% · 3.875%
HK$15,001
−HK$459/mo
Today · 4.125%
HK$15,460
baseline
▲ 0.50% · 4.625%
HK$16,401
+HK$941/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$30,920/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$173,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,185
−HK$874/mo
▼ 0.25% · 3.875%
HK$16,619
−HK$440/mo
Today · 4.125%
HK$17,059
baseline
▲ 0.50% · 4.625%
HK$17,958
+HK$899/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$34,118/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$173,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,458
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$18,001
−HK$552/mo
Today · 4.125%
HK$18,553
baseline
▲ 0.50% · 4.625%
HK$19,681
+HK$1,128/mo
Deposit HK$2.55M · loan HK$3.83M · min. income ≈ HK$37,106/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$173,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,422
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$19,943
−HK$528/mo
Today · 4.125%
HK$20,471
baseline
▲ 0.50% · 4.625%
HK$21,550
+HK$1,079/mo
Deposit HK$2.55M · loan HK$3.83M · min. income ≈ HK$40,942/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$173,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,367
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$21,001
−HK$644/mo
Today · 4.125%
HK$21,645
baseline
▲ 0.50% · 4.625%
HK$22,962
+HK$1,317/mo
Deposit HK$1.91M · loan HK$4.47M · min. income ≈ HK$43,290/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$173,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,659
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$23,266
−HK$617/mo
Today · 4.125%
HK$23,883
baseline
▲ 0.50% · 4.625%
HK$25,142
+HK$1,259/mo
Deposit HK$1.91M · loan HK$4.47M · min. income ≈ HK$47,766/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$173,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,187
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$27,001
−HK$828/mo
Today · 4.125%
HK$27,829
baseline
▲ 0.50% · 4.625%
HK$29,522
+HK$1,693/mo
Deposit HK$638K · loan HK$5.74M · min. income ≈ HK$55,658/mo (50% DSR)
Upfront cash ≈ HK$811K (deposit + AVD stamp duty HK$173,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,132
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$29,914
−HK$792/mo
Today · 4.125%
HK$30,706
baseline
▲ 0.50% · 4.625%
HK$32,325
+HK$1,619/mo
Deposit HK$638K · loan HK$5.74M · min. income ≈ HK$61,412/mo (50% DSR)
Upfront cash ≈ HK$811K (deposit + AVD stamp duty HK$173,007 · 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).