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$14,629
−HK$917/mo
▼ 0.25% · 3.875%
HK$15,084
−HK$462/mo
Today · 4.125%
HK$15,546
baseline
▲ 0.50% · 4.625%
HK$16,492
+HK$946/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$31,092/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$176,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,275
−HK$879/mo
▼ 0.25% · 3.875%
HK$16,711
−HK$443/mo
Today · 4.125%
HK$17,154
baseline
▲ 0.50% · 4.625%
HK$18,058
+HK$904/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$34,308/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$176,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,555
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$18,101
−HK$555/mo
Today · 4.125%
HK$18,656
baseline
▲ 0.50% · 4.625%
HK$19,791
+HK$1,135/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$37,312/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$176,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,530
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$20,053
−HK$532/mo
Today · 4.125%
HK$20,585
baseline
▲ 0.50% · 4.625%
HK$21,670
+HK$1,085/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$41,170/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$176,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,481
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,118
−HK$647/mo
Today · 4.125%
HK$21,765
baseline
▲ 0.50% · 4.625%
HK$23,089
+HK$1,324/mo
Deposit HK$1.92M · loan HK$4.49M · min. income ≈ HK$43,530/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$176,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,785
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,396
−HK$620/mo
Today · 4.125%
HK$24,016
baseline
▲ 0.50% · 4.625%
HK$25,281
+HK$1,265/mo
Deposit HK$1.92M · loan HK$4.49M · min. income ≈ HK$48,032/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$176,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,332
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$27,151
−HK$833/mo
Today · 4.125%
HK$27,984
baseline
▲ 0.50% · 4.625%
HK$29,686
+HK$1,702/mo
Deposit HK$642K · loan HK$5.77M · min. income ≈ HK$55,968/mo (50% DSR)
Upfront cash ≈ HK$818K (deposit + AVD stamp duty HK$176,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,295
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$30,080
−HK$797/mo
Today · 4.125%
HK$30,877
baseline
▲ 0.50% · 4.625%
HK$32,505
+HK$1,628/mo
Deposit HK$642K · loan HK$5.77M · min. income ≈ HK$61,754/mo (50% DSR)
Upfront cash ≈ HK$818K (deposit + AVD stamp duty HK$176,556 · 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).