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$14,694
−HK$922/mo
▼ 0.25% · 3.875%
HK$15,151
−HK$465/mo
Today · 4.125%
HK$15,616
baseline
▲ 0.50% · 4.625%
HK$16,566
+HK$950/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$31,232/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$179,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,347
−HK$883/mo
▼ 0.25% · 3.875%
HK$16,786
−HK$444/mo
Today · 4.125%
HK$17,230
baseline
▲ 0.50% · 4.625%
HK$18,139
+HK$909/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$34,460/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$179,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,633
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$18,182
−HK$557/mo
Today · 4.125%
HK$18,739
baseline
▲ 0.50% · 4.625%
HK$19,879
+HK$1,140/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$37,478/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$179,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,617
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,143
−HK$534/mo
Today · 4.125%
HK$20,677
baseline
▲ 0.50% · 4.625%
HK$21,766
+HK$1,089/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$41,354/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$179,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,572
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$21,212
−HK$650/mo
Today · 4.125%
HK$21,862
baseline
▲ 0.50% · 4.625%
HK$23,192
+HK$1,330/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$43,724/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$179,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,886
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$23,500
−HK$623/mo
Today · 4.125%
HK$24,123
baseline
▲ 0.50% · 4.625%
HK$25,394
+HK$1,271/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$48,246/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$179,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,450
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$27,272
−HK$836/mo
Today · 4.125%
HK$28,108
baseline
▲ 0.50% · 4.625%
HK$29,819
+HK$1,711/mo
Deposit HK$644K · loan HK$5.80M · min. income ≈ HK$56,216/mo (50% DSR)
Upfront cash ≈ HK$824K (deposit + AVD stamp duty HK$179,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,425
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$30,214
−HK$801/mo
Today · 4.125%
HK$31,015
baseline
▲ 0.50% · 4.625%
HK$32,650
+HK$1,635/mo
Deposit HK$644K · loan HK$5.80M · min. income ≈ HK$62,030/mo (50% DSR)
Upfront cash ≈ HK$824K (deposit + AVD stamp duty HK$179,414 · 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).