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$14,566
−HK$914/mo
▼ 0.25% · 3.875%
HK$15,020
−HK$460/mo
Today · 4.125%
HK$15,480
baseline
▲ 0.50% · 4.625%
HK$16,422
+HK$942/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$30,960/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$173,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,205
−HK$876/mo
▼ 0.25% · 3.875%
HK$16,640
−HK$441/mo
Today · 4.125%
HK$17,081
baseline
▲ 0.50% · 4.625%
HK$17,981
+HK$900/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$34,162/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$173,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,480
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,023
−HK$553/mo
Today · 4.125%
HK$18,576
baseline
▲ 0.50% · 4.625%
HK$19,706
+HK$1,130/mo
Deposit HK$2.56M · loan HK$3.83M · min. income ≈ HK$37,152/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$173,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,446
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$19,968
−HK$529/mo
Today · 4.125%
HK$20,497
baseline
▲ 0.50% · 4.625%
HK$21,577
+HK$1,080/mo
Deposit HK$2.56M · loan HK$3.83M · min. income ≈ HK$40,994/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$173,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,393
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,027
−HK$645/mo
Today · 4.125%
HK$21,672
baseline
▲ 0.50% · 4.625%
HK$22,991
+HK$1,319/mo
Deposit HK$1.92M · loan HK$4.47M · min. income ≈ HK$43,344/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$173,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,687
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$23,295
−HK$618/mo
Today · 4.125%
HK$23,913
baseline
▲ 0.50% · 4.625%
HK$25,173
+HK$1,260/mo
Deposit HK$1.92M · loan HK$4.47M · min. income ≈ HK$47,826/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$173,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,220
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$27,035
−HK$829/mo
Today · 4.125%
HK$27,864
baseline
▲ 0.50% · 4.625%
HK$29,559
+HK$1,695/mo
Deposit HK$639K · loan HK$5.75M · min. income ≈ HK$55,728/mo (50% DSR)
Upfront cash ≈ HK$813K (deposit + AVD stamp duty HK$173,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,169
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$29,951
−HK$794/mo
Today · 4.125%
HK$30,745
baseline
▲ 0.50% · 4.625%
HK$32,366
+HK$1,621/mo
Deposit HK$639K · loan HK$5.75M · min. income ≈ HK$61,490/mo (50% DSR)
Upfront cash ≈ HK$813K (deposit + AVD stamp duty HK$173,808 · 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).