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$14,666
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,122
−HK$464/mo
Today · 4.125%
HK$15,586
baseline
▲ 0.50% · 4.625%
HK$16,534
+HK$948/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$31,172/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$178,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,316
−HK$881/mo
▼ 0.25% · 3.875%
HK$16,753
−HK$444/mo
Today · 4.125%
HK$17,197
baseline
▲ 0.50% · 4.625%
HK$18,104
+HK$907/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$34,394/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$178,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,599
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$18,147
−HK$556/mo
Today · 4.125%
HK$18,703
baseline
▲ 0.50% · 4.625%
HK$19,841
+HK$1,138/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$37,406/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$178,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,579
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$20,104
−HK$533/mo
Today · 4.125%
HK$20,637
baseline
▲ 0.50% · 4.625%
HK$21,724
+HK$1,087/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$41,274/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$178,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,532
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$21,171
−HK$649/mo
Today · 4.125%
HK$21,820
baseline
▲ 0.50% · 4.625%
HK$23,147
+HK$1,327/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$43,640/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$178,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,842
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$23,455
−HK$621/mo
Today · 4.125%
HK$24,076
baseline
▲ 0.50% · 4.625%
HK$25,345
+HK$1,269/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$48,152/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$178,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,399
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$27,220
−HK$834/mo
Today · 4.125%
HK$28,054
baseline
▲ 0.50% · 4.625%
HK$29,761
+HK$1,707/mo
Deposit HK$643K · loan HK$5.79M · min. income ≈ HK$56,108/mo (50% DSR)
Upfront cash ≈ HK$821K (deposit + AVD stamp duty HK$178,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,368
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$30,156
−HK$799/mo
Today · 4.125%
HK$30,955
baseline
▲ 0.50% · 4.625%
HK$32,587
+HK$1,632/mo
Deposit HK$643K · loan HK$5.79M · min. income ≈ HK$61,910/mo (50% DSR)
Upfront cash ≈ HK$821K (deposit + AVD stamp duty HK$178,169 · 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).