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$14,567
−HK$914/mo
▼ 0.25% · 3.875%
HK$15,020
−HK$461/mo
Today · 4.125%
HK$15,481
baseline
▲ 0.50% · 4.625%
HK$16,423
+HK$942/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$30,962/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$173,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,206
−HK$875/mo
▼ 0.25% · 3.875%
HK$16,640
−HK$441/mo
Today · 4.125%
HK$17,081
baseline
▲ 0.50% · 4.625%
HK$17,982
+HK$901/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$34,162/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$173,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,481
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,024
−HK$553/mo
Today · 4.125%
HK$18,577
baseline
▲ 0.50% · 4.625%
HK$19,707
+HK$1,130/mo
Deposit HK$2.56M · loan HK$3.83M · min. income ≈ HK$37,154/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$173,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,447
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$19,969
−HK$529/mo
Today · 4.125%
HK$20,498
baseline
▲ 0.50% · 4.625%
HK$21,578
+HK$1,080/mo
Deposit HK$2.56M · loan HK$3.83M · min. income ≈ HK$40,996/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$173,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,394
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,028
−HK$645/mo
Today · 4.125%
HK$21,673
baseline
▲ 0.50% · 4.625%
HK$22,992
+HK$1,319/mo
Deposit HK$1.92M · loan HK$4.47M · min. income ≈ HK$43,346/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$173,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,688
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$23,297
−HK$617/mo
Today · 4.125%
HK$23,914
baseline
▲ 0.50% · 4.625%
HK$25,174
+HK$1,260/mo
Deposit HK$1.92M · loan HK$4.47M · min. income ≈ HK$47,828/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$173,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,221
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$27,037
−HK$828/mo
Today · 4.125%
HK$27,865
baseline
▲ 0.50% · 4.625%
HK$29,561
+HK$1,696/mo
Deposit HK$639K · loan HK$5.75M · min. income ≈ HK$55,730/mo (50% DSR)
Upfront cash ≈ HK$813K (deposit + AVD stamp duty HK$173,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,171
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$29,953
−HK$794/mo
Today · 4.125%
HK$30,747
baseline
▲ 0.50% · 4.625%
HK$32,367
+HK$1,620/mo
Deposit HK$639K · loan HK$5.75M · min. income ≈ HK$61,494/mo (50% DSR)
Upfront cash ≈ HK$813K (deposit + AVD stamp duty HK$173,840 · 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).