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$14,564
−HK$913/mo
▼ 0.25% · 3.875%
HK$15,017
−HK$460/mo
Today · 4.125%
HK$15,477
baseline
▲ 0.50% · 4.625%
HK$16,419
+HK$942/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$30,954/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$173,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,202
−HK$875/mo
▼ 0.25% · 3.875%
HK$16,637
−HK$440/mo
Today · 4.125%
HK$17,077
baseline
▲ 0.50% · 4.625%
HK$17,978
+HK$901/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$34,154/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$173,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,477
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$18,020
−HK$552/mo
Today · 4.125%
HK$18,572
baseline
▲ 0.50% · 4.625%
HK$19,703
+HK$1,131/mo
Deposit HK$2.55M · loan HK$3.83M · min. income ≈ HK$37,144/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$173,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,442
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$19,964
−HK$529/mo
Today · 4.125%
HK$20,493
baseline
▲ 0.50% · 4.625%
HK$21,573
+HK$1,080/mo
Deposit HK$2.55M · loan HK$3.83M · min. income ≈ HK$40,986/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$173,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,389
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,023
−HK$645/mo
Today · 4.125%
HK$21,668
baseline
▲ 0.50% · 4.625%
HK$22,986
+HK$1,318/mo
Deposit HK$1.92M · loan HK$4.47M · min. income ≈ HK$43,336/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$173,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,683
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$23,291
−HK$617/mo
Today · 4.125%
HK$23,908
baseline
▲ 0.50% · 4.625%
HK$25,169
+HK$1,261/mo
Deposit HK$1.92M · loan HK$4.47M · min. income ≈ HK$47,816/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$173,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,215
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$27,030
−HK$829/mo
Today · 4.125%
HK$27,859
baseline
▲ 0.50% · 4.625%
HK$29,554
+HK$1,695/mo
Deposit HK$639K · loan HK$5.75M · min. income ≈ HK$55,718/mo (50% DSR)
Upfront cash ≈ HK$812K (deposit + AVD stamp duty HK$173,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,164
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$29,946
−HK$793/mo
Today · 4.125%
HK$30,739
baseline
▲ 0.50% · 4.625%
HK$32,360
+HK$1,621/mo
Deposit HK$639K · loan HK$5.75M · min. income ≈ HK$61,478/mo (50% DSR)
Upfront cash ≈ HK$812K (deposit + AVD stamp duty HK$173,690 · 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).