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$14,633
−HK$918/mo
▼ 0.25% · 3.875%
HK$15,088
−HK$463/mo
Today · 4.125%
HK$15,551
baseline
▲ 0.50% · 4.625%
HK$16,497
+HK$946/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$31,102/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$176,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,279
−HK$880/mo
▼ 0.25% · 3.875%
HK$16,716
−HK$443/mo
Today · 4.125%
HK$17,159
baseline
▲ 0.50% · 4.625%
HK$18,063
+HK$904/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$34,318/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$176,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,560
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$18,106
−HK$555/mo
Today · 4.125%
HK$18,661
baseline
▲ 0.50% · 4.625%
HK$19,797
+HK$1,136/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$37,322/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$176,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,535
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$20,059
−HK$532/mo
Today · 4.125%
HK$20,591
baseline
▲ 0.50% · 4.625%
HK$21,676
+HK$1,085/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$41,182/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$176,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,487
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,124
−HK$647/mo
Today · 4.125%
HK$21,771
baseline
▲ 0.50% · 4.625%
HK$23,096
+HK$1,325/mo
Deposit HK$1.93M · loan HK$4.49M · min. income ≈ HK$43,542/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$176,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,791
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,402
−HK$620/mo
Today · 4.125%
HK$24,022
baseline
▲ 0.50% · 4.625%
HK$25,289
+HK$1,267/mo
Deposit HK$1.93M · loan HK$4.49M · min. income ≈ HK$48,044/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$176,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,340
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$27,159
−HK$833/mo
Today · 4.125%
HK$27,992
baseline
▲ 0.50% · 4.625%
HK$29,695
+HK$1,703/mo
Deposit HK$642K · loan HK$5.78M · min. income ≈ HK$55,984/mo (50% DSR)
Upfront cash ≈ HK$818K (deposit + AVD stamp duty HK$176,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,303
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$30,089
−HK$797/mo
Today · 4.125%
HK$30,886
baseline
▲ 0.50% · 4.625%
HK$32,514
+HK$1,628/mo
Deposit HK$642K · loan HK$5.78M · min. income ≈ HK$61,772/mo (50% DSR)
Upfront cash ≈ HK$818K (deposit + AVD stamp duty HK$176,738 · 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).