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$14,623
−HK$917/mo
▼ 0.25% · 3.875%
HK$15,078
−HK$462/mo
Today · 4.125%
HK$15,540
baseline
▲ 0.50% · 4.625%
HK$16,485
+HK$945/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$31,080/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$176,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,268
−HK$879/mo
▼ 0.25% · 3.875%
HK$16,704
−HK$443/mo
Today · 4.125%
HK$17,147
baseline
▲ 0.50% · 4.625%
HK$18,050
+HK$903/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$34,294/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$176,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,547
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$18,093
−HK$555/mo
Today · 4.125%
HK$18,648
baseline
▲ 0.50% · 4.625%
HK$19,782
+HK$1,134/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$37,296/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$176,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,521
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$20,045
−HK$531/mo
Today · 4.125%
HK$20,576
baseline
▲ 0.50% · 4.625%
HK$21,661
+HK$1,085/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$41,152/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$176,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,472
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,109
−HK$647/mo
Today · 4.125%
HK$21,756
baseline
▲ 0.50% · 4.625%
HK$23,079
+HK$1,323/mo
Deposit HK$1.92M · loan HK$4.49M · min. income ≈ HK$43,512/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$176,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,775
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,386
−HK$619/mo
Today · 4.125%
HK$24,005
baseline
▲ 0.50% · 4.625%
HK$25,271
+HK$1,266/mo
Deposit HK$1.92M · loan HK$4.49M · min. income ≈ HK$48,010/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$176,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,321
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$27,140
−HK$832/mo
Today · 4.125%
HK$27,972
baseline
▲ 0.50% · 4.625%
HK$29,674
+HK$1,702/mo
Deposit HK$641K · loan HK$5.77M · min. income ≈ HK$55,944/mo (50% DSR)
Upfront cash ≈ HK$818K (deposit + AVD stamp duty HK$176,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,282
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$30,067
−HK$797/mo
Today · 4.125%
HK$30,864
baseline
▲ 0.50% · 4.625%
HK$32,491
+HK$1,627/mo
Deposit HK$641K · loan HK$5.77M · min. income ≈ HK$61,728/mo (50% DSR)
Upfront cash ≈ HK$818K (deposit + AVD stamp duty HK$176,279 · 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).