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$14,632
−HK$918/mo
▼ 0.25% · 3.875%
HK$15,087
−HK$463/mo
Today · 4.125%
HK$15,550
baseline
▲ 0.50% · 4.625%
HK$16,496
+HK$946/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$31,100/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$176,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,278
−HK$880/mo
▼ 0.25% · 3.875%
HK$16,715
−HK$443/mo
Today · 4.125%
HK$17,158
baseline
▲ 0.50% · 4.625%
HK$18,062
+HK$904/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$34,316/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$176,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,559
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$18,105
−HK$555/mo
Today · 4.125%
HK$18,660
baseline
▲ 0.50% · 4.625%
HK$19,795
+HK$1,135/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$37,320/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$176,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,534
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$20,058
−HK$531/mo
Today · 4.125%
HK$20,589
baseline
▲ 0.50% · 4.625%
HK$21,674
+HK$1,085/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$41,178/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$176,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,485
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$21,122
−HK$648/mo
Today · 4.125%
HK$21,770
baseline
▲ 0.50% · 4.625%
HK$23,094
+HK$1,324/mo
Deposit HK$1.93M · loan HK$4.49M · min. income ≈ HK$43,540/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$176,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,789
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$23,401
−HK$620/mo
Today · 4.125%
HK$24,021
baseline
▲ 0.50% · 4.625%
HK$25,287
+HK$1,266/mo
Deposit HK$1.93M · loan HK$4.49M · min. income ≈ HK$48,042/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$176,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,338
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$27,157
−HK$833/mo
Today · 4.125%
HK$27,990
baseline
▲ 0.50% · 4.625%
HK$29,693
+HK$1,703/mo
Deposit HK$642K · loan HK$5.78M · min. income ≈ HK$55,980/mo (50% DSR)
Upfront cash ≈ HK$818K (deposit + AVD stamp duty HK$176,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,301
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$30,087
−HK$797/mo
Today · 4.125%
HK$30,884
baseline
▲ 0.50% · 4.625%
HK$32,512
+HK$1,628/mo
Deposit HK$642K · loan HK$5.78M · min. income ≈ HK$61,768/mo (50% DSR)
Upfront cash ≈ HK$818K (deposit + AVD stamp duty HK$176,690 · 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).