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$14,695
−HK$922/mo
▼ 0.25% · 3.875%
HK$15,152
−HK$465/mo
Today · 4.125%
HK$15,617
baseline
▲ 0.50% · 4.625%
HK$16,567
+HK$950/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$31,234/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$179,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,348
−HK$883/mo
▼ 0.25% · 3.875%
HK$16,787
−HK$444/mo
Today · 4.125%
HK$17,231
baseline
▲ 0.50% · 4.625%
HK$18,140
+HK$909/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$34,462/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$179,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,634
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$18,183
−HK$557/mo
Today · 4.125%
HK$18,740
baseline
▲ 0.50% · 4.625%
HK$19,880
+HK$1,140/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$37,480/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$179,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,618
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,144
−HK$534/mo
Today · 4.125%
HK$20,678
baseline
▲ 0.50% · 4.625%
HK$21,768
+HK$1,090/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$41,356/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$179,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,573
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$21,213
−HK$650/mo
Today · 4.125%
HK$21,863
baseline
▲ 0.50% · 4.625%
HK$23,194
+HK$1,331/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$43,726/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$179,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,887
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$23,501
−HK$623/mo
Today · 4.125%
HK$24,124
baseline
▲ 0.50% · 4.625%
HK$25,396
+HK$1,272/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$48,248/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$179,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,451
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$27,274
−HK$836/mo
Today · 4.125%
HK$28,110
baseline
▲ 0.50% · 4.625%
HK$29,820
+HK$1,710/mo
Deposit HK$644K · loan HK$5.80M · min. income ≈ HK$56,220/mo (50% DSR)
Upfront cash ≈ HK$824K (deposit + AVD stamp duty HK$179,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,427
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$30,216
−HK$801/mo
Today · 4.125%
HK$31,017
baseline
▲ 0.50% · 4.625%
HK$32,652
+HK$1,635/mo
Deposit HK$644K · loan HK$5.80M · min. income ≈ HK$62,034/mo (50% DSR)
Upfront cash ≈ HK$824K (deposit + AVD stamp duty HK$179,451 · 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).