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$14,532
−HK$912/mo
▼ 0.25% · 3.875%
HK$14,984
−HK$460/mo
Today · 4.125%
HK$15,444
baseline
▲ 0.50% · 4.625%
HK$16,383
+HK$939/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$30,888/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$172,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,167
−HK$874/mo
▼ 0.25% · 3.875%
HK$16,601
−HK$440/mo
Today · 4.125%
HK$17,041
baseline
▲ 0.50% · 4.625%
HK$17,939
+HK$898/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$34,082/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$172,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,439
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$17,981
−HK$551/mo
Today · 4.125%
HK$18,532
baseline
▲ 0.50% · 4.625%
HK$19,660
+HK$1,128/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$37,064/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$172,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,400
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$19,921
−HK$528/mo
Today · 4.125%
HK$20,449
baseline
▲ 0.50% · 4.625%
HK$21,527
+HK$1,078/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$40,898/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$172,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,345
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$20,978
−HK$643/mo
Today · 4.125%
HK$21,621
baseline
▲ 0.50% · 4.625%
HK$22,937
+HK$1,316/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$43,242/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$172,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,634
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$23,241
−HK$616/mo
Today · 4.125%
HK$23,857
baseline
▲ 0.50% · 4.625%
HK$25,114
+HK$1,257/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$47,714/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$172,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,158
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$26,972
−HK$827/mo
Today · 4.125%
HK$27,799
baseline
▲ 0.50% · 4.625%
HK$29,490
+HK$1,691/mo
Deposit HK$637K · loan HK$5.74M · min. income ≈ HK$55,598/mo (50% DSR)
Upfront cash ≈ HK$810K (deposit + AVD stamp duty HK$172,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,101
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$29,881
−HK$792/mo
Today · 4.125%
HK$30,673
baseline
▲ 0.50% · 4.625%
HK$32,290
+HK$1,617/mo
Deposit HK$637K · loan HK$5.74M · min. income ≈ HK$61,346/mo (50% DSR)
Upfront cash ≈ HK$810K (deposit + AVD stamp duty HK$172,312 · 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).