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$14,536
−HK$911/mo
▼ 0.25% · 3.875%
HK$14,988
−HK$459/mo
Today · 4.125%
HK$15,447
baseline
▲ 0.50% · 4.625%
HK$16,387
+HK$940/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$30,894/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$172,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,171
−HK$874/mo
▼ 0.25% · 3.875%
HK$16,605
−HK$440/mo
Today · 4.125%
HK$17,045
baseline
▲ 0.50% · 4.625%
HK$17,943
+HK$898/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$34,090/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$172,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,443
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$17,986
−HK$551/mo
Today · 4.125%
HK$18,537
baseline
▲ 0.50% · 4.625%
HK$19,665
+HK$1,128/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$37,074/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$172,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,405
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,926
−HK$527/mo
Today · 4.125%
HK$20,453
baseline
▲ 0.50% · 4.625%
HK$21,532
+HK$1,079/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$40,906/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$172,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,350
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$20,983
−HK$643/mo
Today · 4.125%
HK$21,626
baseline
▲ 0.50% · 4.625%
HK$22,942
+HK$1,316/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$43,252/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$172,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,639
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$23,246
−HK$616/mo
Today · 4.125%
HK$23,862
baseline
▲ 0.50% · 4.625%
HK$25,120
+HK$1,258/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$47,724/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$172,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,164
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$26,978
−HK$827/mo
Today · 4.125%
HK$27,805
baseline
▲ 0.50% · 4.625%
HK$29,497
+HK$1,692/mo
Deposit HK$637K · loan HK$5.74M · min. income ≈ HK$55,610/mo (50% DSR)
Upfront cash ≈ HK$810K (deposit + AVD stamp duty HK$172,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,108
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$29,888
−HK$792/mo
Today · 4.125%
HK$30,680
baseline
▲ 0.50% · 4.625%
HK$32,297
+HK$1,617/mo
Deposit HK$637K · loan HK$5.74M · min. income ≈ HK$61,360/mo (50% DSR)
Upfront cash ≈ HK$810K (deposit + AVD stamp duty HK$172,463 · 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).