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$14,547
−HK$912/mo
▼ 0.25% · 3.875%
HK$14,999
−HK$460/mo
Today · 4.125%
HK$15,459
baseline
▲ 0.50% · 4.625%
HK$16,400
+HK$941/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$30,918/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$172,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,183
−HK$875/mo
▼ 0.25% · 3.875%
HK$16,617
−HK$441/mo
Today · 4.125%
HK$17,058
baseline
▲ 0.50% · 4.625%
HK$17,957
+HK$899/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$34,116/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$172,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,456
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$17,999
−HK$552/mo
Today · 4.125%
HK$18,551
baseline
▲ 0.50% · 4.625%
HK$19,680
+HK$1,129/mo
Deposit HK$2.55M · loan HK$3.83M · min. income ≈ HK$37,102/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$172,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,420
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$19,941
−HK$528/mo
Today · 4.125%
HK$20,469
baseline
▲ 0.50% · 4.625%
HK$21,548
+HK$1,079/mo
Deposit HK$2.55M · loan HK$3.83M · min. income ≈ HK$40,938/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$172,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,366
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$20,999
−HK$644/mo
Today · 4.125%
HK$21,643
baseline
▲ 0.50% · 4.625%
HK$22,960
+HK$1,317/mo
Deposit HK$1.91M · loan HK$4.47M · min. income ≈ HK$43,286/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$172,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,657
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$23,264
−HK$617/mo
Today · 4.125%
HK$23,881
baseline
▲ 0.50% · 4.625%
HK$25,139
+HK$1,258/mo
Deposit HK$1.91M · loan HK$4.47M · min. income ≈ HK$47,762/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$172,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,184
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$26,999
−HK$827/mo
Today · 4.125%
HK$27,826
baseline
▲ 0.50% · 4.625%
HK$29,519
+HK$1,693/mo
Deposit HK$638K · loan HK$5.74M · min. income ≈ HK$55,652/mo (50% DSR)
Upfront cash ≈ HK$811K (deposit + AVD stamp duty HK$172,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,130
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$29,911
−HK$793/mo
Today · 4.125%
HK$30,704
baseline
▲ 0.50% · 4.625%
HK$32,322
+HK$1,618/mo
Deposit HK$638K · loan HK$5.74M · min. income ≈ HK$61,408/mo (50% DSR)
Upfront cash ≈ HK$811K (deposit + AVD stamp duty HK$172,948 · 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).