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$14,539
−HK$911/mo
▼ 0.25% · 3.875%
HK$14,991
−HK$459/mo
Today · 4.125%
HK$15,450
baseline
▲ 0.50% · 4.625%
HK$16,390
+HK$940/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$30,900/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$172,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,174
−HK$874/mo
▼ 0.25% · 3.875%
HK$16,608
−HK$440/mo
Today · 4.125%
HK$17,048
baseline
▲ 0.50% · 4.625%
HK$17,947
+HK$899/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$34,096/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$172,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,446
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$17,989
−HK$551/mo
Today · 4.125%
HK$18,540
baseline
▲ 0.50% · 4.625%
HK$19,669
+HK$1,129/mo
Deposit HK$2.55M · loan HK$3.83M · min. income ≈ HK$37,080/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$172,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,409
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$19,929
−HK$529/mo
Today · 4.125%
HK$20,458
baseline
▲ 0.50% · 4.625%
HK$21,536
+HK$1,078/mo
Deposit HK$2.55M · loan HK$3.83M · min. income ≈ HK$40,916/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$172,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,354
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$20,987
−HK$643/mo
Today · 4.125%
HK$21,630
baseline
▲ 0.50% · 4.625%
HK$22,947
+HK$1,317/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$43,260/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$172,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,644
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$23,251
−HK$616/mo
Today · 4.125%
HK$23,867
baseline
▲ 0.50% · 4.625%
HK$25,125
+HK$1,258/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$47,734/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$172,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,170
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$26,984
−HK$827/mo
Today · 4.125%
HK$27,811
baseline
▲ 0.50% · 4.625%
HK$29,503
+HK$1,692/mo
Deposit HK$638K · loan HK$5.74M · min. income ≈ HK$55,622/mo (50% DSR)
Upfront cash ≈ HK$810K (deposit + AVD stamp duty HK$172,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,113
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$29,894
−HK$792/mo
Today · 4.125%
HK$30,686
baseline
▲ 0.50% · 4.625%
HK$32,304
+HK$1,618/mo
Deposit HK$638K · loan HK$5.74M · min. income ≈ HK$61,372/mo (50% DSR)
Upfront cash ≈ HK$810K (deposit + AVD stamp duty HK$172,588 · 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).