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$14,553
−HK$913/mo
▼ 0.25% · 3.875%
HK$15,006
−HK$460/mo
Today · 4.125%
HK$15,466
baseline
▲ 0.50% · 4.625%
HK$16,407
+HK$941/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$30,932/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$173,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,190
−HK$875/mo
▼ 0.25% · 3.875%
HK$16,624
−HK$441/mo
Today · 4.125%
HK$17,065
baseline
▲ 0.50% · 4.625%
HK$17,964
+HK$899/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$34,130/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$173,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,464
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$18,007
−HK$552/mo
Today · 4.125%
HK$18,559
baseline
▲ 0.50% · 4.625%
HK$19,688
+HK$1,129/mo
Deposit HK$2.55M · loan HK$3.83M · min. income ≈ HK$37,118/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$173,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,428
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,949
−HK$529/mo
Today · 4.125%
HK$20,478
baseline
▲ 0.50% · 4.625%
HK$21,557
+HK$1,079/mo
Deposit HK$2.55M · loan HK$3.83M · min. income ≈ HK$40,956/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$173,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,374
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$21,008
−HK$644/mo
Today · 4.125%
HK$21,652
baseline
▲ 0.50% · 4.625%
HK$22,969
+HK$1,317/mo
Deposit HK$1.91M · loan HK$4.47M · min. income ≈ HK$43,304/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$173,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,666
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$23,274
−HK$617/mo
Today · 4.125%
HK$23,891
baseline
▲ 0.50% · 4.625%
HK$25,150
+HK$1,259/mo
Deposit HK$1.91M · loan HK$4.47M · min. income ≈ HK$47,782/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$173,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,196
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$27,010
−HK$828/mo
Today · 4.125%
HK$27,838
baseline
▲ 0.50% · 4.625%
HK$29,532
+HK$1,694/mo
Deposit HK$638K · loan HK$5.74M · min. income ≈ HK$55,676/mo (50% DSR)
Upfront cash ≈ HK$811K (deposit + AVD stamp duty HK$173,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,142
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$29,924
−HK$793/mo
Today · 4.125%
HK$30,717
baseline
▲ 0.50% · 4.625%
HK$32,336
+HK$1,619/mo
Deposit HK$638K · loan HK$5.74M · min. income ≈ HK$61,434/mo (50% DSR)
Upfront cash ≈ HK$811K (deposit + AVD stamp duty HK$173,221 · 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).