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$14,553
−HK$913/mo
▼ 0.25% · 3.875%
HK$15,006
−HK$460/mo
Today · 4.125%
HK$15,466
baseline
▲ 0.50% · 4.625%
HK$16,407
+HK$941/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$30,932/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$173,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,190
−HK$875/mo
▼ 0.25% · 3.875%
HK$16,625
−HK$440/mo
Today · 4.125%
HK$17,065
baseline
▲ 0.50% · 4.625%
HK$17,965
+HK$900/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$34,130/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$173,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,464
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$18,007
−HK$552/mo
Today · 4.125%
HK$18,559
baseline
▲ 0.50% · 4.625%
HK$19,688
+HK$1,129/mo
Deposit HK$2.55M · loan HK$3.83M · min. income ≈ HK$37,118/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$173,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,429
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$19,950
−HK$528/mo
Today · 4.125%
HK$20,478
baseline
▲ 0.50% · 4.625%
HK$21,558
+HK$1,080/mo
Deposit HK$2.55M · loan HK$3.83M · min. income ≈ HK$40,956/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$173,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,375
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$21,008
−HK$644/mo
Today · 4.125%
HK$21,652
baseline
▲ 0.50% · 4.625%
HK$22,970
+HK$1,318/mo
Deposit HK$1.91M · loan HK$4.47M · min. income ≈ HK$43,304/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$173,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,667
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$23,275
−HK$616/mo
Today · 4.125%
HK$23,891
baseline
▲ 0.50% · 4.625%
HK$25,151
+HK$1,260/mo
Deposit HK$1.91M · loan HK$4.47M · min. income ≈ HK$47,782/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$173,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,196
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$27,011
−HK$828/mo
Today · 4.125%
HK$27,839
baseline
▲ 0.50% · 4.625%
HK$29,533
+HK$1,694/mo
Deposit HK$638K · loan HK$5.74M · min. income ≈ HK$55,678/mo (50% DSR)
Upfront cash ≈ HK$811K (deposit + AVD stamp duty HK$173,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,143
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$29,924
−HK$793/mo
Today · 4.125%
HK$30,717
baseline
▲ 0.50% · 4.625%
HK$32,336
+HK$1,619/mo
Deposit HK$638K · loan HK$5.74M · min. income ≈ HK$61,434/mo (50% DSR)
Upfront cash ≈ HK$811K (deposit + AVD stamp duty HK$173,232 · 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).