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$14,558
−HK$913/mo
▼ 0.25% · 3.875%
HK$15,011
−HK$460/mo
Today · 4.125%
HK$15,471
baseline
▲ 0.50% · 4.625%
HK$16,412
+HK$941/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$30,942/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$173,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,195
−HK$875/mo
▼ 0.25% · 3.875%
HK$16,630
−HK$440/mo
Today · 4.125%
HK$17,070
baseline
▲ 0.50% · 4.625%
HK$17,970
+HK$900/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$34,140/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$173,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,469
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,013
−HK$552/mo
Today · 4.125%
HK$18,565
baseline
▲ 0.50% · 4.625%
HK$19,694
+HK$1,129/mo
Deposit HK$2.55M · loan HK$3.83M · min. income ≈ HK$37,130/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$173,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,434
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,956
−HK$528/mo
Today · 4.125%
HK$20,484
baseline
▲ 0.50% · 4.625%
HK$21,564
+HK$1,080/mo
Deposit HK$2.55M · loan HK$3.83M · min. income ≈ HK$40,968/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$173,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,381
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$21,015
−HK$644/mo
Today · 4.125%
HK$21,659
baseline
▲ 0.50% · 4.625%
HK$22,977
+HK$1,318/mo
Deposit HK$1.92M · loan HK$4.47M · min. income ≈ HK$43,318/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$173,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,673
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$23,282
−HK$616/mo
Today · 4.125%
HK$23,898
baseline
▲ 0.50% · 4.625%
HK$25,158
+HK$1,260/mo
Deposit HK$1.92M · loan HK$4.47M · min. income ≈ HK$47,796/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$173,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,204
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$27,019
−HK$828/mo
Today · 4.125%
HK$27,847
baseline
▲ 0.50% · 4.625%
HK$29,542
+HK$1,695/mo
Deposit HK$638K · loan HK$5.75M · min. income ≈ HK$55,694/mo (50% DSR)
Upfront cash ≈ HK$812K (deposit + AVD stamp duty HK$173,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,152
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$29,933
−HK$794/mo
Today · 4.125%
HK$30,727
baseline
▲ 0.50% · 4.625%
HK$32,346
+HK$1,619/mo
Deposit HK$638K · loan HK$5.75M · min. income ≈ HK$61,454/mo (50% DSR)
Upfront cash ≈ HK$812K (deposit + AVD stamp duty HK$173,424 · 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).