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$14,561
−HK$913/mo
▼ 0.25% · 3.875%
HK$15,013
−HK$461/mo
Today · 4.125%
HK$15,474
baseline
▲ 0.50% · 4.625%
HK$16,415
+HK$941/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$30,948/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$173,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,198
−HK$876/mo
▼ 0.25% · 3.875%
HK$16,633
−HK$441/mo
Today · 4.125%
HK$17,074
baseline
▲ 0.50% · 4.625%
HK$17,974
+HK$900/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$34,148/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$173,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,473
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$18,016
−HK$552/mo
Today · 4.125%
HK$18,568
baseline
▲ 0.50% · 4.625%
HK$19,698
+HK$1,130/mo
Deposit HK$2.55M · loan HK$3.83M · min. income ≈ HK$37,136/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$173,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,438
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,959
−HK$529/mo
Today · 4.125%
HK$20,488
baseline
▲ 0.50% · 4.625%
HK$21,568
+HK$1,080/mo
Deposit HK$2.55M · loan HK$3.83M · min. income ≈ HK$40,976/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$173,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,385
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$21,019
−HK$644/mo
Today · 4.125%
HK$21,663
baseline
▲ 0.50% · 4.625%
HK$22,981
+HK$1,318/mo
Deposit HK$1.92M · loan HK$4.47M · min. income ≈ HK$43,326/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$173,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,678
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$23,286
−HK$617/mo
Today · 4.125%
HK$23,903
baseline
▲ 0.50% · 4.625%
HK$25,163
+HK$1,260/mo
Deposit HK$1.92M · loan HK$4.47M · min. income ≈ HK$47,806/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$173,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,209
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$27,024
−HK$828/mo
Today · 4.125%
HK$27,852
baseline
▲ 0.50% · 4.625%
HK$29,547
+HK$1,695/mo
Deposit HK$639K · loan HK$5.75M · min. income ≈ HK$55,704/mo (50% DSR)
Upfront cash ≈ HK$812K (deposit + AVD stamp duty HK$173,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,157
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$29,939
−HK$793/mo
Today · 4.125%
HK$30,732
baseline
▲ 0.50% · 4.625%
HK$32,352
+HK$1,620/mo
Deposit HK$639K · loan HK$5.75M · min. income ≈ HK$61,464/mo (50% DSR)
Upfront cash ≈ HK$812K (deposit + AVD stamp duty HK$173,547 · 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).