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$14,569
−HK$914/mo
▼ 0.25% · 3.875%
HK$15,022
−HK$461/mo
Today · 4.125%
HK$15,483
baseline
▲ 0.50% · 4.625%
HK$16,425
+HK$942/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$30,966/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$173,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,208
−HK$876/mo
▼ 0.25% · 3.875%
HK$16,643
−HK$441/mo
Today · 4.125%
HK$17,084
baseline
▲ 0.50% · 4.625%
HK$17,984
+HK$900/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$34,168/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$173,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,483
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,027
−HK$552/mo
Today · 4.125%
HK$18,579
baseline
▲ 0.50% · 4.625%
HK$19,710
+HK$1,131/mo
Deposit HK$2.56M · loan HK$3.83M · min. income ≈ HK$37,158/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$173,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,450
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$19,971
−HK$530/mo
Today · 4.125%
HK$20,501
baseline
▲ 0.50% · 4.625%
HK$21,581
+HK$1,080/mo
Deposit HK$2.56M · loan HK$3.83M · min. income ≈ HK$41,002/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$173,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,397
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,031
−HK$645/mo
Today · 4.125%
HK$21,676
baseline
▲ 0.50% · 4.625%
HK$22,995
+HK$1,319/mo
Deposit HK$1.92M · loan HK$4.47M · min. income ≈ HK$43,352/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$173,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,691
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$23,300
−HK$617/mo
Today · 4.125%
HK$23,917
baseline
▲ 0.50% · 4.625%
HK$25,178
+HK$1,261/mo
Deposit HK$1.92M · loan HK$4.47M · min. income ≈ HK$47,834/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$173,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,225
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$27,040
−HK$829/mo
Today · 4.125%
HK$27,869
baseline
▲ 0.50% · 4.625%
HK$29,565
+HK$1,696/mo
Deposit HK$639K · loan HK$5.75M · min. income ≈ HK$55,738/mo (50% DSR)
Upfront cash ≈ HK$813K (deposit + AVD stamp duty HK$173,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,175
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$29,957
−HK$794/mo
Today · 4.125%
HK$30,751
baseline
▲ 0.50% · 4.625%
HK$32,372
+HK$1,621/mo
Deposit HK$639K · loan HK$5.75M · min. income ≈ HK$61,502/mo (50% DSR)
Upfront cash ≈ HK$813K (deposit + AVD stamp duty HK$173,928 · 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).