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$14,555
−HK$913/mo
▼ 0.25% · 3.875%
HK$15,008
−HK$460/mo
Today · 4.125%
HK$15,468
baseline
▲ 0.50% · 4.625%
HK$16,409
+HK$941/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$30,936/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$173,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,192
−HK$875/mo
▼ 0.25% · 3.875%
HK$16,626
−HK$441/mo
Today · 4.125%
HK$17,067
baseline
▲ 0.50% · 4.625%
HK$17,967
+HK$900/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$34,134/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$173,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,466
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$18,009
−HK$552/mo
Today · 4.125%
HK$18,561
baseline
▲ 0.50% · 4.625%
HK$19,691
+HK$1,130/mo
Deposit HK$2.55M · loan HK$3.83M · min. income ≈ HK$37,122/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$173,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,431
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$19,952
−HK$528/mo
Today · 4.125%
HK$20,480
baseline
▲ 0.50% · 4.625%
HK$21,560
+HK$1,080/mo
Deposit HK$2.55M · loan HK$3.83M · min. income ≈ HK$40,960/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$173,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,377
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$21,011
−HK$644/mo
Today · 4.125%
HK$21,655
baseline
▲ 0.50% · 4.625%
HK$22,972
+HK$1,317/mo
Deposit HK$1.91M · loan HK$4.47M · min. income ≈ HK$43,310/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$173,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,669
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$23,277
−HK$617/mo
Today · 4.125%
HK$23,894
baseline
▲ 0.50% · 4.625%
HK$25,153
+HK$1,259/mo
Deposit HK$1.91M · loan HK$4.47M · min. income ≈ HK$47,788/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$173,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,199
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$27,014
−HK$828/mo
Today · 4.125%
HK$27,842
baseline
▲ 0.50% · 4.625%
HK$29,536
+HK$1,694/mo
Deposit HK$638K · loan HK$5.74M · min. income ≈ HK$55,684/mo (50% DSR)
Upfront cash ≈ HK$812K (deposit + AVD stamp duty HK$173,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,146
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$29,928
−HK$793/mo
Today · 4.125%
HK$30,721
baseline
▲ 0.50% · 4.625%
HK$32,340
+HK$1,619/mo
Deposit HK$638K · loan HK$5.74M · min. income ≈ HK$61,442/mo (50% DSR)
Upfront cash ≈ HK$812K (deposit + AVD stamp duty HK$173,300 · 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).