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$14,634
−HK$918/mo
▼ 0.25% · 3.875%
HK$15,090
−HK$462/mo
Today · 4.125%
HK$15,552
baseline
▲ 0.50% · 4.625%
HK$16,498
+HK$946/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$31,104/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$176,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,281
−HK$879/mo
▼ 0.25% · 3.875%
HK$16,717
−HK$443/mo
Today · 4.125%
HK$17,160
baseline
▲ 0.50% · 4.625%
HK$18,065
+HK$905/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$34,320/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$176,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,561
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$18,108
−HK$555/mo
Today · 4.125%
HK$18,663
baseline
▲ 0.50% · 4.625%
HK$19,798
+HK$1,135/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$37,326/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$176,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,537
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$20,061
−HK$531/mo
Today · 4.125%
HK$20,592
baseline
▲ 0.50% · 4.625%
HK$21,678
+HK$1,086/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$41,184/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$176,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,488
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$21,126
−HK$647/mo
Today · 4.125%
HK$21,773
baseline
▲ 0.50% · 4.625%
HK$23,098
+HK$1,325/mo
Deposit HK$1.93M · loan HK$4.49M · min. income ≈ HK$43,546/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$176,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,793
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,404
−HK$620/mo
Today · 4.125%
HK$24,024
baseline
▲ 0.50% · 4.625%
HK$25,291
+HK$1,267/mo
Deposit HK$1.93M · loan HK$4.49M · min. income ≈ HK$48,048/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$176,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,342
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$27,161
−HK$833/mo
Today · 4.125%
HK$27,994
baseline
▲ 0.50% · 4.625%
HK$29,697
+HK$1,703/mo
Deposit HK$642K · loan HK$5.78M · min. income ≈ HK$55,988/mo (50% DSR)
Upfront cash ≈ HK$819K (deposit + AVD stamp duty HK$176,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,305
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$30,091
−HK$797/mo
Today · 4.125%
HK$30,888
baseline
▲ 0.50% · 4.625%
HK$32,517
+HK$1,629/mo
Deposit HK$642K · loan HK$5.78M · min. income ≈ HK$61,776/mo (50% DSR)
Upfront cash ≈ HK$819K (deposit + AVD stamp duty HK$176,790 · 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).