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$14,667
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,124
−HK$463/mo
Today · 4.125%
HK$15,587
baseline
▲ 0.50% · 4.625%
HK$16,536
+HK$949/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$31,174/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$178,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,317
−HK$882/mo
▼ 0.25% · 3.875%
HK$16,755
−HK$444/mo
Today · 4.125%
HK$17,199
baseline
▲ 0.50% · 4.625%
HK$18,106
+HK$907/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$34,398/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$178,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,601
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$18,148
−HK$557/mo
Today · 4.125%
HK$18,705
baseline
▲ 0.50% · 4.625%
HK$19,843
+HK$1,138/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$37,410/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$178,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,581
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$20,106
−HK$533/mo
Today · 4.125%
HK$20,639
baseline
▲ 0.50% · 4.625%
HK$21,727
+HK$1,088/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$41,278/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$178,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,534
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$21,173
−HK$649/mo
Today · 4.125%
HK$21,822
baseline
▲ 0.50% · 4.625%
HK$23,150
+HK$1,328/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$43,644/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$178,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,844
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$23,457
−HK$622/mo
Today · 4.125%
HK$24,079
baseline
▲ 0.50% · 4.625%
HK$25,348
+HK$1,269/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$48,158/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$178,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,401
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$27,223
−HK$834/mo
Today · 4.125%
HK$28,057
baseline
▲ 0.50% · 4.625%
HK$29,764
+HK$1,707/mo
Deposit HK$643K · loan HK$5.79M · min. income ≈ HK$56,114/mo (50% DSR)
Upfront cash ≈ HK$821K (deposit + AVD stamp duty HK$178,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,371
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$30,159
−HK$799/mo
Today · 4.125%
HK$30,958
baseline
▲ 0.50% · 4.625%
HK$32,590
+HK$1,632/mo
Deposit HK$643K · loan HK$5.79M · min. income ≈ HK$61,916/mo (50% DSR)
Upfront cash ≈ HK$821K (deposit + AVD stamp duty HK$178,236 · 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).