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$14,545
−HK$912/mo
▼ 0.25% · 3.875%
HK$14,997
−HK$460/mo
Today · 4.125%
HK$15,457
baseline
▲ 0.50% · 4.625%
HK$16,398
+HK$941/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$30,914/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$172,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,181
−HK$874/mo
▼ 0.25% · 3.875%
HK$16,615
−HK$440/mo
Today · 4.125%
HK$17,055
baseline
▲ 0.50% · 4.625%
HK$17,954
+HK$899/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$34,110/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$172,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,454
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$17,997
−HK$551/mo
Today · 4.125%
HK$18,548
baseline
▲ 0.50% · 4.625%
HK$19,677
+HK$1,129/mo
Deposit HK$2.55M · loan HK$3.83M · min. income ≈ HK$37,096/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$172,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,417
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$19,938
−HK$528/mo
Today · 4.125%
HK$20,466
baseline
▲ 0.50% · 4.625%
HK$21,545
+HK$1,079/mo
Deposit HK$2.55M · loan HK$3.83M · min. income ≈ HK$40,932/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$172,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,363
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$20,996
−HK$644/mo
Today · 4.125%
HK$21,640
baseline
▲ 0.50% · 4.625%
HK$22,957
+HK$1,317/mo
Deposit HK$1.91M · loan HK$4.47M · min. income ≈ HK$43,280/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$172,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,654
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$23,261
−HK$616/mo
Today · 4.125%
HK$23,877
baseline
▲ 0.50% · 4.625%
HK$25,136
+HK$1,259/mo
Deposit HK$1.91M · loan HK$4.47M · min. income ≈ HK$47,754/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$172,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,181
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$26,995
−HK$828/mo
Today · 4.125%
HK$27,823
baseline
▲ 0.50% · 4.625%
HK$29,516
+HK$1,693/mo
Deposit HK$638K · loan HK$5.74M · min. income ≈ HK$55,646/mo (50% DSR)
Upfront cash ≈ HK$811K (deposit + AVD stamp duty HK$172,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,126
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$29,907
−HK$793/mo
Today · 4.125%
HK$30,700
baseline
▲ 0.50% · 4.625%
HK$32,318
+HK$1,618/mo
Deposit HK$638K · loan HK$5.74M · min. income ≈ HK$61,400/mo (50% DSR)
Upfront cash ≈ HK$811K (deposit + AVD stamp duty HK$172,866 · 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).