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$14,554
−HK$913/mo
▼ 0.25% · 3.875%
HK$15,007
−HK$460/mo
Today · 4.125%
HK$15,467
baseline
▲ 0.50% · 4.625%
HK$16,408
+HK$941/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$30,934/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$173,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,191
−HK$875/mo
▼ 0.25% · 3.875%
HK$16,625
−HK$441/mo
Today · 4.125%
HK$17,066
baseline
▲ 0.50% · 4.625%
HK$17,966
+HK$900/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$34,132/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$173,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,465
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$18,008
−HK$552/mo
Today · 4.125%
HK$18,560
baseline
▲ 0.50% · 4.625%
HK$19,689
+HK$1,129/mo
Deposit HK$2.55M · loan HK$3.83M · min. income ≈ HK$37,120/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$173,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,429
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,951
−HK$528/mo
Today · 4.125%
HK$20,479
baseline
▲ 0.50% · 4.625%
HK$21,559
+HK$1,080/mo
Deposit HK$2.55M · loan HK$3.83M · min. income ≈ HK$40,958/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$173,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,376
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$21,009
−HK$644/mo
Today · 4.125%
HK$21,653
baseline
▲ 0.50% · 4.625%
HK$22,971
+HK$1,318/mo
Deposit HK$1.91M · loan HK$4.47M · min. income ≈ HK$43,306/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$173,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,668
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$23,276
−HK$616/mo
Today · 4.125%
HK$23,892
baseline
▲ 0.50% · 4.625%
HK$25,152
+HK$1,260/mo
Deposit HK$1.91M · loan HK$4.47M · min. income ≈ HK$47,784/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$173,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,197
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$27,012
−HK$828/mo
Today · 4.125%
HK$27,840
baseline
▲ 0.50% · 4.625%
HK$29,534
+HK$1,694/mo
Deposit HK$638K · loan HK$5.74M · min. income ≈ HK$55,680/mo (50% DSR)
Upfront cash ≈ HK$812K (deposit + AVD stamp duty HK$173,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,144
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$29,926
−HK$793/mo
Today · 4.125%
HK$30,719
baseline
▲ 0.50% · 4.625%
HK$32,338
+HK$1,619/mo
Deposit HK$638K · loan HK$5.74M · min. income ≈ HK$61,438/mo (50% DSR)
Upfront cash ≈ HK$812K (deposit + AVD stamp duty HK$173,264 · 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).