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$14,676
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,132
−HK$464/mo
Today · 4.125%
HK$15,596
baseline
▲ 0.50% · 4.625%
HK$16,545
+HK$949/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$31,192/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$178,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,326
−HK$882/mo
▼ 0.25% · 3.875%
HK$16,764
−HK$444/mo
Today · 4.125%
HK$17,208
baseline
▲ 0.50% · 4.625%
HK$18,116
+HK$908/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$34,416/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$178,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,611
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$18,158
−HK$557/mo
Today · 4.125%
HK$18,715
baseline
▲ 0.50% · 4.625%
HK$19,854
+HK$1,139/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$37,430/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$178,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,592
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$20,117
−HK$533/mo
Today · 4.125%
HK$20,650
baseline
▲ 0.50% · 4.625%
HK$21,739
+HK$1,089/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$41,300/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$178,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,546
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$21,185
−HK$649/mo
Today · 4.125%
HK$21,834
baseline
▲ 0.50% · 4.625%
HK$23,163
+HK$1,329/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$43,668/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$178,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,857
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$23,470
−HK$622/mo
Today · 4.125%
HK$24,092
baseline
▲ 0.50% · 4.625%
HK$25,362
+HK$1,270/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$48,184/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$178,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,416
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$27,238
−HK$835/mo
Today · 4.125%
HK$28,073
baseline
▲ 0.50% · 4.625%
HK$29,781
+HK$1,708/mo
Deposit HK$644K · loan HK$5.79M · min. income ≈ HK$56,146/mo (50% DSR)
Upfront cash ≈ HK$822K (deposit + AVD stamp duty HK$178,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,388
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$30,176
−HK$799/mo
Today · 4.125%
HK$30,975
baseline
▲ 0.50% · 4.625%
HK$32,608
+HK$1,633/mo
Deposit HK$644K · loan HK$5.79M · min. income ≈ HK$61,950/mo (50% DSR)
Upfront cash ≈ HK$822K (deposit + AVD stamp duty HK$178,593 · 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).