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$14,660
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,117
−HK$463/mo
Today · 4.125%
HK$15,580
baseline
▲ 0.50% · 4.625%
HK$16,528
+HK$948/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$31,160/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$177,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,310
−HK$881/mo
▼ 0.25% · 3.875%
HK$16,747
−HK$444/mo
Today · 4.125%
HK$17,191
baseline
▲ 0.50% · 4.625%
HK$18,097
+HK$906/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$34,382/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$177,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,593
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$18,140
−HK$556/mo
Today · 4.125%
HK$18,696
baseline
▲ 0.50% · 4.625%
HK$19,833
+HK$1,137/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$37,392/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$177,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,572
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,096
−HK$533/mo
Today · 4.125%
HK$20,629
baseline
▲ 0.50% · 4.625%
HK$21,716
+HK$1,087/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$41,258/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$177,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,525
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$21,163
−HK$649/mo
Today · 4.125%
HK$21,812
baseline
▲ 0.50% · 4.625%
HK$23,139
+HK$1,327/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$43,624/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$177,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,834
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$23,446
−HK$621/mo
Today · 4.125%
HK$24,067
baseline
▲ 0.50% · 4.625%
HK$25,336
+HK$1,269/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$48,134/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$177,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,389
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$27,210
−HK$834/mo
Today · 4.125%
HK$28,044
baseline
▲ 0.50% · 4.625%
HK$29,750
+HK$1,706/mo
Deposit HK$643K · loan HK$5.79M · min. income ≈ HK$56,088/mo (50% DSR)
Upfront cash ≈ HK$821K (deposit + AVD stamp duty HK$177,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,357
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,145
−HK$798/mo
Today · 4.125%
HK$30,943
baseline
▲ 0.50% · 4.625%
HK$32,575
+HK$1,632/mo
Deposit HK$643K · loan HK$5.79M · min. income ≈ HK$61,886/mo (50% DSR)
Upfront cash ≈ HK$821K (deposit + AVD stamp duty HK$177,932 · 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).