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$14,525
−HK$911/mo
▼ 0.25% · 3.875%
HK$14,977
−HK$459/mo
Today · 4.125%
HK$15,436
baseline
▲ 0.50% · 4.625%
HK$16,376
+HK$940/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$30,872/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$172,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,159
−HK$873/mo
▼ 0.25% · 3.875%
HK$16,593
−HK$439/mo
Today · 4.125%
HK$17,032
baseline
▲ 0.50% · 4.625%
HK$17,930
+HK$898/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$34,064/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$172,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,431
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$17,973
−HK$551/mo
Today · 4.125%
HK$18,524
baseline
▲ 0.50% · 4.625%
HK$19,651
+HK$1,127/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$37,048/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$172,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,391
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,911
−HK$528/mo
Today · 4.125%
HK$20,439
baseline
▲ 0.50% · 4.625%
HK$21,516
+HK$1,077/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$40,878/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$172,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,336
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$20,968
−HK$643/mo
Today · 4.125%
HK$21,611
baseline
▲ 0.50% · 4.625%
HK$22,926
+HK$1,315/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$43,222/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$172,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,623
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$23,230
−HK$615/mo
Today · 4.125%
HK$23,845
baseline
▲ 0.50% · 4.625%
HK$25,102
+HK$1,257/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$47,690/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$172,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,146
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$26,959
−HK$826/mo
Today · 4.125%
HK$27,785
baseline
▲ 0.50% · 4.625%
HK$29,476
+HK$1,691/mo
Deposit HK$637K · loan HK$5.73M · min. income ≈ HK$55,570/mo (50% DSR)
Upfront cash ≈ HK$809K (deposit + AVD stamp duty HK$172,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,087
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$29,867
−HK$791/mo
Today · 4.125%
HK$30,658
baseline
▲ 0.50% · 4.625%
HK$32,274
+HK$1,616/mo
Deposit HK$637K · loan HK$5.73M · min. income ≈ HK$61,316/mo (50% DSR)
Upfront cash ≈ HK$809K (deposit + AVD stamp duty HK$172,010 · 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).