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$14,538
−HK$911/mo
▼ 0.25% · 3.875%
HK$14,990
−HK$459/mo
Today · 4.125%
HK$15,449
baseline
▲ 0.50% · 4.625%
HK$16,389
+HK$940/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$30,898/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$172,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,173
−HK$874/mo
▼ 0.25% · 3.875%
HK$16,607
−HK$440/mo
Today · 4.125%
HK$17,047
baseline
▲ 0.50% · 4.625%
HK$17,945
+HK$898/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$34,094/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$172,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,445
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$17,988
−HK$551/mo
Today · 4.125%
HK$18,539
baseline
▲ 0.50% · 4.625%
HK$19,667
+HK$1,128/mo
Deposit HK$2.55M · loan HK$3.83M · min. income ≈ HK$37,078/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$172,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,408
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,928
−HK$528/mo
Today · 4.125%
HK$20,456
baseline
▲ 0.50% · 4.625%
HK$21,535
+HK$1,079/mo
Deposit HK$2.55M · loan HK$3.83M · min. income ≈ HK$40,912/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$172,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,353
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$20,986
−HK$643/mo
Today · 4.125%
HK$21,629
baseline
▲ 0.50% · 4.625%
HK$22,945
+HK$1,316/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$43,258/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$172,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,642
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$23,250
−HK$616/mo
Today · 4.125%
HK$23,866
baseline
▲ 0.50% · 4.625%
HK$25,124
+HK$1,258/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$47,732/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$172,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,168
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$26,982
−HK$827/mo
Today · 4.125%
HK$27,809
baseline
▲ 0.50% · 4.625%
HK$29,501
+HK$1,692/mo
Deposit HK$638K · loan HK$5.74M · min. income ≈ HK$55,618/mo (50% DSR)
Upfront cash ≈ HK$810K (deposit + AVD stamp duty HK$172,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,112
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$29,892
−HK$792/mo
Today · 4.125%
HK$30,684
baseline
▲ 0.50% · 4.625%
HK$32,302
+HK$1,618/mo
Deposit HK$638K · loan HK$5.74M · min. income ≈ HK$61,368/mo (50% DSR)
Upfront cash ≈ HK$810K (deposit + AVD stamp duty HK$172,551 · 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).