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$14,537
−HK$911/mo
▼ 0.25% · 3.875%
HK$14,989
−HK$459/mo
Today · 4.125%
HK$15,448
baseline
▲ 0.50% · 4.625%
HK$16,388
+HK$940/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$30,896/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$172,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,172
−HK$873/mo
▼ 0.25% · 3.875%
HK$16,605
−HK$440/mo
Today · 4.125%
HK$17,045
baseline
▲ 0.50% · 4.625%
HK$17,944
+HK$899/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$34,090/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$172,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,444
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$17,986
−HK$552/mo
Today · 4.125%
HK$18,538
baseline
▲ 0.50% · 4.625%
HK$19,666
+HK$1,128/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$37,076/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$172,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,406
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$19,927
−HK$528/mo
Today · 4.125%
HK$20,455
baseline
▲ 0.50% · 4.625%
HK$21,533
+HK$1,078/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$40,910/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$172,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,351
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$20,984
−HK$643/mo
Today · 4.125%
HK$21,627
baseline
▲ 0.50% · 4.625%
HK$22,943
+HK$1,316/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$43,254/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$172,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,640
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$23,248
−HK$616/mo
Today · 4.125%
HK$23,864
baseline
▲ 0.50% · 4.625%
HK$25,122
+HK$1,258/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$47,728/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$172,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,166
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$26,980
−HK$827/mo
Today · 4.125%
HK$27,807
baseline
▲ 0.50% · 4.625%
HK$29,499
+HK$1,692/mo
Deposit HK$637K · loan HK$5.74M · min. income ≈ HK$55,614/mo (50% DSR)
Upfront cash ≈ HK$810K (deposit + AVD stamp duty HK$172,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,109
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$29,890
−HK$792/mo
Today · 4.125%
HK$30,682
baseline
▲ 0.50% · 4.625%
HK$32,299
+HK$1,617/mo
Deposit HK$637K · loan HK$5.74M · min. income ≈ HK$61,364/mo (50% DSR)
Upfront cash ≈ HK$810K (deposit + AVD stamp duty HK$172,496 · 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).