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$14,656
−HK$919/mo
▼ 0.25% · 3.875%
HK$15,111
−HK$464/mo
Today · 4.125%
HK$15,575
baseline
▲ 0.50% · 4.625%
HK$16,522
+HK$947/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$31,150/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$177,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,304
−HK$881/mo
▼ 0.25% · 3.875%
HK$16,741
−HK$444/mo
Today · 4.125%
HK$17,185
baseline
▲ 0.50% · 4.625%
HK$18,091
+HK$906/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$34,370/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$177,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,587
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$18,134
−HK$556/mo
Today · 4.125%
HK$18,690
baseline
▲ 0.50% · 4.625%
HK$19,827
+HK$1,137/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$37,380/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$177,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,565
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,090
−HK$532/mo
Today · 4.125%
HK$20,622
baseline
▲ 0.50% · 4.625%
HK$21,709
+HK$1,087/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$41,244/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$177,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,518
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$21,156
−HK$648/mo
Today · 4.125%
HK$21,804
baseline
▲ 0.50% · 4.625%
HK$23,131
+HK$1,327/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$43,608/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$177,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,826
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$23,438
−HK$621/mo
Today · 4.125%
HK$24,059
baseline
▲ 0.50% · 4.625%
HK$25,327
+HK$1,268/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$48,118/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$177,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,380
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,201
−HK$833/mo
Today · 4.125%
HK$28,034
baseline
▲ 0.50% · 4.625%
HK$29,740
+HK$1,706/mo
Deposit HK$643K · loan HK$5.78M · min. income ≈ HK$56,068/mo (50% DSR)
Upfront cash ≈ HK$820K (deposit + AVD stamp duty HK$177,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,347
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,135
−HK$798/mo
Today · 4.125%
HK$30,933
baseline
▲ 0.50% · 4.625%
HK$32,564
+HK$1,631/mo
Deposit HK$643K · loan HK$5.78M · min. income ≈ HK$61,866/mo (50% DSR)
Upfront cash ≈ HK$820K (deposit + AVD stamp duty HK$177,716 · 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).