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$14,529
−HK$911/mo
▼ 0.25% · 3.875%
HK$14,981
−HK$459/mo
Today · 4.125%
HK$15,440
baseline
▲ 0.50% · 4.625%
HK$16,379
+HK$939/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$30,880/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$172,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,163
−HK$873/mo
▼ 0.25% · 3.875%
HK$16,597
−HK$439/mo
Today · 4.125%
HK$17,036
baseline
▲ 0.50% · 4.625%
HK$17,934
+HK$898/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$34,072/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$172,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,434
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$17,977
−HK$551/mo
Today · 4.125%
HK$18,528
baseline
▲ 0.50% · 4.625%
HK$19,655
+HK$1,127/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$37,056/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$172,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,396
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,916
−HK$528/mo
Today · 4.125%
HK$20,444
baseline
▲ 0.50% · 4.625%
HK$21,521
+HK$1,077/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$40,888/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$172,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,340
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$20,973
−HK$643/mo
Today · 4.125%
HK$21,616
baseline
▲ 0.50% · 4.625%
HK$22,931
+HK$1,315/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$43,232/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$172,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,628
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$23,235
−HK$616/mo
Today · 4.125%
HK$23,851
baseline
▲ 0.50% · 4.625%
HK$25,108
+HK$1,257/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$47,702/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$172,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,152
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$26,965
−HK$827/mo
Today · 4.125%
HK$27,792
baseline
▲ 0.50% · 4.625%
HK$29,483
+HK$1,691/mo
Deposit HK$637K · loan HK$5.73M · min. income ≈ HK$55,584/mo (50% DSR)
Upfront cash ≈ HK$809K (deposit + AVD stamp duty HK$172,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,094
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$29,874
−HK$791/mo
Today · 4.125%
HK$30,665
baseline
▲ 0.50% · 4.625%
HK$32,282
+HK$1,617/mo
Deposit HK$637K · loan HK$5.73M · min. income ≈ HK$61,330/mo (50% DSR)
Upfront cash ≈ HK$809K (deposit + AVD stamp duty HK$172,154 · 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).