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$15,014
−HK$460/mo
Today · 4.125%
HK$15,474
baseline
▲ 0.50% · 4.625%
HK$16,416
+HK$942/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$173,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,199
−HK$875/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$173,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,473
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,017
−HK$552/mo
Today · 4.125%
HK$18,569
baseline
▲ 0.50% · 4.625%
HK$19,699
+HK$1,130/mo
Deposit HK$2.55M · loan HK$3.83M · min. income ≈ HK$37,138/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$173,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,439
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,960
−HK$529/mo
Today · 4.125%
HK$20,489
baseline
▲ 0.50% · 4.625%
HK$21,569
+HK$1,080/mo
Deposit HK$2.55M · loan HK$3.83M · min. income ≈ HK$40,978/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$173,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,385
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,020
−HK$644/mo
Today · 4.125%
HK$21,664
baseline
▲ 0.50% · 4.625%
HK$22,982
+HK$1,318/mo
Deposit HK$1.92M · loan HK$4.47M · min. income ≈ HK$43,328/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$173,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,679
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$23,287
−HK$617/mo
Today · 4.125%
HK$23,904
baseline
▲ 0.50% · 4.625%
HK$25,164
+HK$1,260/mo
Deposit HK$1.92M · loan HK$4.47M · min. income ≈ HK$47,808/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$173,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,210
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$27,025
−HK$828/mo
Today · 4.125%
HK$27,853
baseline
▲ 0.50% · 4.625%
HK$29,548
+HK$1,695/mo
Deposit HK$639K · loan HK$5.75M · min. income ≈ HK$55,706/mo (50% DSR)
Upfront cash ≈ HK$812K (deposit + AVD stamp duty HK$173,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,158
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$29,940
−HK$794/mo
Today · 4.125%
HK$30,734
baseline
▲ 0.50% · 4.625%
HK$32,354
+HK$1,620/mo
Deposit HK$639K · loan HK$5.75M · min. income ≈ HK$61,468/mo (50% DSR)
Upfront cash ≈ HK$812K (deposit + AVD stamp duty HK$173,570 · 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).