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$14,527
−HK$911/mo
▼ 0.25% · 3.875%
HK$14,979
−HK$459/mo
Today · 4.125%
HK$15,438
baseline
▲ 0.50% · 4.625%
HK$16,378
+HK$940/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$30,876/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$172,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,162
−HK$873/mo
▼ 0.25% · 3.875%
HK$16,595
−HK$440/mo
Today · 4.125%
HK$17,035
baseline
▲ 0.50% · 4.625%
HK$17,933
+HK$898/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$34,070/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$172,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,433
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$17,975
−HK$551/mo
Today · 4.125%
HK$18,526
baseline
▲ 0.50% · 4.625%
HK$19,653
+HK$1,127/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$37,052/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$172,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,394
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,914
−HK$528/mo
Today · 4.125%
HK$20,442
baseline
▲ 0.50% · 4.625%
HK$21,519
+HK$1,077/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$40,884/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$172,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,338
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$20,971
−HK$643/mo
Today · 4.125%
HK$21,614
baseline
▲ 0.50% · 4.625%
HK$22,929
+HK$1,315/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$43,228/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$172,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,626
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$23,233
−HK$616/mo
Today · 4.125%
HK$23,849
baseline
▲ 0.50% · 4.625%
HK$25,106
+HK$1,257/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$47,698/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$172,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,149
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$26,963
−HK$826/mo
Today · 4.125%
HK$27,789
baseline
▲ 0.50% · 4.625%
HK$29,480
+HK$1,691/mo
Deposit HK$637K · loan HK$5.73M · min. income ≈ HK$55,578/mo (50% DSR)
Upfront cash ≈ HK$809K (deposit + AVD stamp duty HK$172,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,091
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$29,871
−HK$791/mo
Today · 4.125%
HK$30,662
baseline
▲ 0.50% · 4.625%
HK$32,279
+HK$1,617/mo
Deposit HK$637K · loan HK$5.73M · min. income ≈ HK$61,324/mo (50% DSR)
Upfront cash ≈ HK$809K (deposit + AVD stamp duty HK$172,094 · 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).