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$14,534
−HK$911/mo
▼ 0.25% · 3.875%
HK$14,986
−HK$459/mo
Today · 4.125%
HK$15,445
baseline
▲ 0.50% · 4.625%
HK$16,385
+HK$940/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$30,890/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$172,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,169
−HK$874/mo
▼ 0.25% · 3.875%
HK$16,603
−HK$440/mo
Today · 4.125%
HK$17,043
baseline
▲ 0.50% · 4.625%
HK$17,941
+HK$898/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$34,086/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$172,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,441
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$17,983
−HK$552/mo
Today · 4.125%
HK$18,535
baseline
▲ 0.50% · 4.625%
HK$19,662
+HK$1,127/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$37,070/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$172,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,403
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,923
−HK$528/mo
Today · 4.125%
HK$20,451
baseline
▲ 0.50% · 4.625%
HK$21,529
+HK$1,078/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$40,902/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$172,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,348
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$20,981
−HK$643/mo
Today · 4.125%
HK$21,624
baseline
▲ 0.50% · 4.625%
HK$22,939
+HK$1,315/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$43,248/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$172,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,637
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$23,244
−HK$616/mo
Today · 4.125%
HK$23,860
baseline
▲ 0.50% · 4.625%
HK$25,117
+HK$1,257/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$47,720/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$172,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,161
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$26,975
−HK$827/mo
Today · 4.125%
HK$27,802
baseline
▲ 0.50% · 4.625%
HK$29,494
+HK$1,692/mo
Deposit HK$637K · loan HK$5.74M · min. income ≈ HK$55,604/mo (50% DSR)
Upfront cash ≈ HK$810K (deposit + AVD stamp duty HK$172,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,104
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$29,885
−HK$792/mo
Today · 4.125%
HK$30,677
baseline
▲ 0.50% · 4.625%
HK$32,294
+HK$1,617/mo
Deposit HK$637K · loan HK$5.74M · min. income ≈ HK$61,354/mo (50% DSR)
Upfront cash ≈ HK$810K (deposit + AVD stamp duty HK$172,387 · 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).