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$14,689
−HK$921/mo
▼ 0.25% · 3.875%
HK$15,146
−HK$464/mo
Today · 4.125%
HK$15,610
baseline
▲ 0.50% · 4.625%
HK$16,560
+HK$950/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$31,220/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$179,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,341
−HK$883/mo
▼ 0.25% · 3.875%
HK$16,779
−HK$445/mo
Today · 4.125%
HK$17,224
baseline
▲ 0.50% · 4.625%
HK$18,132
+HK$908/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$34,448/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$179,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,627
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$18,175
−HK$557/mo
Today · 4.125%
HK$18,732
baseline
▲ 0.50% · 4.625%
HK$19,872
+HK$1,140/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$37,464/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$179,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,609
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,135
−HK$534/mo
Today · 4.125%
HK$20,669
baseline
▲ 0.50% · 4.625%
HK$21,758
+HK$1,089/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$41,338/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$179,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,564
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$21,204
−HK$650/mo
Today · 4.125%
HK$21,854
baseline
▲ 0.50% · 4.625%
HK$23,184
+HK$1,330/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$43,708/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$179,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,878
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,491
−HK$623/mo
Today · 4.125%
HK$24,114
baseline
▲ 0.50% · 4.625%
HK$25,385
+HK$1,271/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$48,228/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$179,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,440
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$27,262
−HK$836/mo
Today · 4.125%
HK$28,098
baseline
▲ 0.50% · 4.625%
HK$29,807
+HK$1,709/mo
Deposit HK$644K · loan HK$5.80M · min. income ≈ HK$56,196/mo (50% DSR)
Upfront cash ≈ HK$823K (deposit + AVD stamp duty HK$179,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,414
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$30,203
−HK$800/mo
Today · 4.125%
HK$31,003
baseline
▲ 0.50% · 4.625%
HK$32,637
+HK$1,634/mo
Deposit HK$644K · loan HK$5.80M · min. income ≈ HK$62,006/mo (50% DSR)
Upfront cash ≈ HK$823K (deposit + AVD stamp duty HK$179,173 · 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).