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$14,530
−HK$911/mo
▼ 0.25% · 3.875%
HK$14,982
−HK$459/mo
Today · 4.125%
HK$15,441
baseline
▲ 0.50% · 4.625%
HK$16,380
+HK$939/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$30,882/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$172,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,164
−HK$874/mo
▼ 0.25% · 3.875%
HK$16,598
−HK$440/mo
Today · 4.125%
HK$17,038
baseline
▲ 0.50% · 4.625%
HK$17,936
+HK$898/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$34,076/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$172,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,436
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$17,978
−HK$551/mo
Today · 4.125%
HK$18,529
baseline
▲ 0.50% · 4.625%
HK$19,657
+HK$1,128/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$37,058/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$172,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,397
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,917
−HK$528/mo
Today · 4.125%
HK$20,445
baseline
▲ 0.50% · 4.625%
HK$21,523
+HK$1,078/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$40,890/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$172,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,342
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$20,974
−HK$643/mo
Today · 4.125%
HK$21,617
baseline
▲ 0.50% · 4.625%
HK$22,933
+HK$1,316/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$43,234/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$172,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,630
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$23,237
−HK$616/mo
Today · 4.125%
HK$23,853
baseline
▲ 0.50% · 4.625%
HK$25,110
+HK$1,257/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$47,706/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$172,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,154
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$26,967
−HK$827/mo
Today · 4.125%
HK$27,794
baseline
▲ 0.50% · 4.625%
HK$29,485
+HK$1,691/mo
Deposit HK$637K · loan HK$5.73M · min. income ≈ HK$55,588/mo (50% DSR)
Upfront cash ≈ HK$809K (deposit + AVD stamp duty HK$172,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,096
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$29,876
−HK$792/mo
Today · 4.125%
HK$30,668
baseline
▲ 0.50% · 4.625%
HK$32,284
+HK$1,616/mo
Deposit HK$637K · loan HK$5.73M · min. income ≈ HK$61,336/mo (50% DSR)
Upfront cash ≈ HK$809K (deposit + AVD stamp duty HK$172,200 · 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).