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$14,630
−HK$917/mo
▼ 0.25% · 3.875%
HK$15,085
−HK$462/mo
Today · 4.125%
HK$15,547
baseline
▲ 0.50% · 4.625%
HK$16,493
+HK$946/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$31,094/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$176,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,275
−HK$880/mo
▼ 0.25% · 3.875%
HK$16,712
−HK$443/mo
Today · 4.125%
HK$17,155
baseline
▲ 0.50% · 4.625%
HK$18,059
+HK$904/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$34,310/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$176,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,556
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$18,102
−HK$555/mo
Today · 4.125%
HK$18,657
baseline
▲ 0.50% · 4.625%
HK$19,792
+HK$1,135/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$37,314/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$176,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,531
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$20,054
−HK$532/mo
Today · 4.125%
HK$20,586
baseline
▲ 0.50% · 4.625%
HK$21,671
+HK$1,085/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$41,172/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$176,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,482
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,119
−HK$647/mo
Today · 4.125%
HK$21,766
baseline
▲ 0.50% · 4.625%
HK$23,090
+HK$1,324/mo
Deposit HK$1.92M · loan HK$4.49M · min. income ≈ HK$43,532/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$176,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,786
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,397
−HK$620/mo
Today · 4.125%
HK$24,017
baseline
▲ 0.50% · 4.625%
HK$25,283
+HK$1,266/mo
Deposit HK$1.92M · loan HK$4.49M · min. income ≈ HK$48,034/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$176,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,334
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$27,153
−HK$832/mo
Today · 4.125%
HK$27,985
baseline
▲ 0.50% · 4.625%
HK$29,688
+HK$1,703/mo
Deposit HK$642K · loan HK$5.77M · min. income ≈ HK$55,970/mo (50% DSR)
Upfront cash ≈ HK$818K (deposit + AVD stamp duty HK$176,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,296
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$30,082
−HK$797/mo
Today · 4.125%
HK$30,879
baseline
▲ 0.50% · 4.625%
HK$32,506
+HK$1,627/mo
Deposit HK$642K · loan HK$5.77M · min. income ≈ HK$61,758/mo (50% DSR)
Upfront cash ≈ HK$818K (deposit + AVD stamp duty HK$176,585 · 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).