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$14,526
−HK$911/mo
▼ 0.25% · 3.875%
HK$14,978
−HK$459/mo
Today · 4.125%
HK$15,437
baseline
▲ 0.50% · 4.625%
HK$16,377
+HK$940/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$30,874/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$172,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,160
−HK$874/mo
▼ 0.25% · 3.875%
HK$16,594
−HK$440/mo
Today · 4.125%
HK$17,034
baseline
▲ 0.50% · 4.625%
HK$17,931
+HK$897/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$34,068/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$172,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,432
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$17,974
−HK$551/mo
Today · 4.125%
HK$18,525
baseline
▲ 0.50% · 4.625%
HK$19,652
+HK$1,127/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$37,050/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$172,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,393
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$19,913
−HK$527/mo
Today · 4.125%
HK$20,440
baseline
▲ 0.50% · 4.625%
HK$21,518
+HK$1,078/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$40,880/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$172,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,337
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$20,970
−HK$642/mo
Today · 4.125%
HK$21,612
baseline
▲ 0.50% · 4.625%
HK$22,927
+HK$1,315/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$43,224/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$172,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,625
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$23,231
−HK$616/mo
Today · 4.125%
HK$23,847
baseline
▲ 0.50% · 4.625%
HK$25,104
+HK$1,257/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$47,694/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$172,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,148
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$26,961
−HK$826/mo
Today · 4.125%
HK$27,787
baseline
▲ 0.50% · 4.625%
HK$29,478
+HK$1,691/mo
Deposit HK$637K · loan HK$5.73M · min. income ≈ HK$55,574/mo (50% DSR)
Upfront cash ≈ HK$809K (deposit + AVD stamp duty HK$172,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,089
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$29,869
−HK$791/mo
Today · 4.125%
HK$30,660
baseline
▲ 0.50% · 4.625%
HK$32,277
+HK$1,617/mo
Deposit HK$637K · loan HK$5.73M · min. income ≈ HK$61,320/mo (50% DSR)
Upfront cash ≈ HK$809K (deposit + AVD stamp duty HK$172,051 · 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).