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$14,570
−HK$914/mo
▼ 0.25% · 3.875%
HK$15,023
−HK$461/mo
Today · 4.125%
HK$15,484
baseline
▲ 0.50% · 4.625%
HK$16,426
+HK$942/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$30,968/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$173,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,209
−HK$876/mo
▼ 0.25% · 3.875%
HK$16,644
−HK$441/mo
Today · 4.125%
HK$17,085
baseline
▲ 0.50% · 4.625%
HK$17,986
+HK$901/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$34,170/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$173,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,484
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$18,028
−HK$553/mo
Today · 4.125%
HK$18,581
baseline
▲ 0.50% · 4.625%
HK$19,711
+HK$1,130/mo
Deposit HK$2.56M · loan HK$3.83M · min. income ≈ HK$37,162/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$173,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,451
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$19,973
−HK$529/mo
Today · 4.125%
HK$20,502
baseline
▲ 0.50% · 4.625%
HK$21,583
+HK$1,081/mo
Deposit HK$2.56M · loan HK$3.83M · min. income ≈ HK$41,004/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$173,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,398
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,033
−HK$644/mo
Today · 4.125%
HK$21,677
baseline
▲ 0.50% · 4.625%
HK$22,996
+HK$1,319/mo
Deposit HK$1.92M · loan HK$4.47M · min. income ≈ HK$43,354/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$173,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,693
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$23,302
−HK$617/mo
Today · 4.125%
HK$23,919
baseline
▲ 0.50% · 4.625%
HK$25,180
+HK$1,261/mo
Deposit HK$1.92M · loan HK$4.47M · min. income ≈ HK$47,838/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$173,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,226
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$27,042
−HK$829/mo
Today · 4.125%
HK$27,871
baseline
▲ 0.50% · 4.625%
HK$29,567
+HK$1,696/mo
Deposit HK$639K · loan HK$5.75M · min. income ≈ HK$55,742/mo (50% DSR)
Upfront cash ≈ HK$813K (deposit + AVD stamp duty HK$173,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,177
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$29,959
−HK$794/mo
Today · 4.125%
HK$30,753
baseline
▲ 0.50% · 4.625%
HK$32,374
+HK$1,621/mo
Deposit HK$639K · loan HK$5.75M · min. income ≈ HK$61,506/mo (50% DSR)
Upfront cash ≈ HK$813K (deposit + AVD stamp duty HK$173,973 · 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).