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$14,530
−HK$912/mo
▼ 0.25% · 3.875%
HK$14,982
−HK$460/mo
Today · 4.125%
HK$15,442
baseline
▲ 0.50% · 4.625%
HK$16,381
+HK$939/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$30,884/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$172,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,165
−HK$873/mo
▼ 0.25% · 3.875%
HK$16,598
−HK$440/mo
Today · 4.125%
HK$17,038
baseline
▲ 0.50% · 4.625%
HK$17,936
+HK$898/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$34,076/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$172,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,436
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$17,979
−HK$551/mo
Today · 4.125%
HK$18,530
baseline
▲ 0.50% · 4.625%
HK$19,657
+HK$1,127/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$37,060/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$172,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,398
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,918
−HK$528/mo
Today · 4.125%
HK$20,446
baseline
▲ 0.50% · 4.625%
HK$21,524
+HK$1,078/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$40,892/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$172,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,342
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$20,975
−HK$643/mo
Today · 4.125%
HK$21,618
baseline
▲ 0.50% · 4.625%
HK$22,934
+HK$1,316/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$43,236/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$172,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,631
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$23,238
−HK$615/mo
Today · 4.125%
HK$23,853
baseline
▲ 0.50% · 4.625%
HK$25,111
+HK$1,258/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$47,706/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$172,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,155
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$26,968
−HK$827/mo
Today · 4.125%
HK$27,795
baseline
▲ 0.50% · 4.625%
HK$29,486
+HK$1,691/mo
Deposit HK$637K · loan HK$5.74M · min. income ≈ HK$55,590/mo (50% DSR)
Upfront cash ≈ HK$809K (deposit + AVD stamp duty HK$172,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,097
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$29,877
−HK$792/mo
Today · 4.125%
HK$30,669
baseline
▲ 0.50% · 4.625%
HK$32,285
+HK$1,616/mo
Deposit HK$637K · loan HK$5.74M · min. income ≈ HK$61,338/mo (50% DSR)
Upfront cash ≈ HK$809K (deposit + AVD stamp duty HK$172,224 · 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).