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$14,568
−HK$914/mo
▼ 0.25% · 3.875%
HK$15,022
−HK$460/mo
Today · 4.125%
HK$15,482
baseline
▲ 0.50% · 4.625%
HK$16,424
+HK$942/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$30,964/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$173,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,207
−HK$876/mo
▼ 0.25% · 3.875%
HK$16,642
−HK$441/mo
Today · 4.125%
HK$17,083
baseline
▲ 0.50% · 4.625%
HK$17,983
+HK$900/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$34,166/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$173,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,482
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,026
−HK$552/mo
Today · 4.125%
HK$18,578
baseline
▲ 0.50% · 4.625%
HK$19,709
+HK$1,131/mo
Deposit HK$2.56M · loan HK$3.83M · min. income ≈ HK$37,156/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$173,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,449
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,970
−HK$529/mo
Today · 4.125%
HK$20,499
baseline
▲ 0.50% · 4.625%
HK$21,580
+HK$1,081/mo
Deposit HK$2.56M · loan HK$3.83M · min. income ≈ HK$40,998/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$173,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,396
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,030
−HK$645/mo
Today · 4.125%
HK$21,675
baseline
▲ 0.50% · 4.625%
HK$22,994
+HK$1,319/mo
Deposit HK$1.92M · loan HK$4.47M · min. income ≈ HK$43,350/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$173,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,690
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$23,299
−HK$617/mo
Today · 4.125%
HK$23,916
baseline
▲ 0.50% · 4.625%
HK$25,177
+HK$1,261/mo
Deposit HK$1.92M · loan HK$4.47M · min. income ≈ HK$47,832/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$173,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,223
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$27,039
−HK$829/mo
Today · 4.125%
HK$27,868
baseline
▲ 0.50% · 4.625%
HK$29,563
+HK$1,695/mo
Deposit HK$639K · loan HK$5.75M · min. income ≈ HK$55,736/mo (50% DSR)
Upfront cash ≈ HK$813K (deposit + AVD stamp duty HK$173,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,173
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$29,955
−HK$794/mo
Today · 4.125%
HK$30,749
baseline
▲ 0.50% · 4.625%
HK$32,370
+HK$1,621/mo
Deposit HK$639K · loan HK$5.75M · min. income ≈ HK$61,498/mo (50% DSR)
Upfront cash ≈ HK$813K (deposit + AVD stamp duty HK$173,895 · 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).