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$14,632
−HK$917/mo
▼ 0.25% · 3.875%
HK$15,087
−HK$462/mo
Today · 4.125%
HK$15,549
baseline
▲ 0.50% · 4.625%
HK$16,495
+HK$946/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$31,098/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$176,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,278
−HK$879/mo
▼ 0.25% · 3.875%
HK$16,714
−HK$443/mo
Today · 4.125%
HK$17,157
baseline
▲ 0.50% · 4.625%
HK$18,062
+HK$905/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$34,314/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$176,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,558
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$18,104
−HK$555/mo
Today · 4.125%
HK$18,659
baseline
▲ 0.50% · 4.625%
HK$19,795
+HK$1,136/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$37,318/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$176,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,533
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$20,057
−HK$532/mo
Today · 4.125%
HK$20,589
baseline
▲ 0.50% · 4.625%
HK$21,674
+HK$1,085/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$41,178/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$176,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,485
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,122
−HK$647/mo
Today · 4.125%
HK$21,769
baseline
▲ 0.50% · 4.625%
HK$23,094
+HK$1,325/mo
Deposit HK$1.93M · loan HK$4.49M · min. income ≈ HK$43,538/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$176,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,789
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,400
−HK$620/mo
Today · 4.125%
HK$24,020
baseline
▲ 0.50% · 4.625%
HK$25,286
+HK$1,266/mo
Deposit HK$1.93M · loan HK$4.49M · min. income ≈ HK$48,040/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$176,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,337
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$27,156
−HK$833/mo
Today · 4.125%
HK$27,989
baseline
▲ 0.50% · 4.625%
HK$29,692
+HK$1,703/mo
Deposit HK$642K · loan HK$5.78M · min. income ≈ HK$55,978/mo (50% DSR)
Upfront cash ≈ HK$818K (deposit + AVD stamp duty HK$176,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,300
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$30,086
−HK$797/mo
Today · 4.125%
HK$30,883
baseline
▲ 0.50% · 4.625%
HK$32,511
+HK$1,628/mo
Deposit HK$642K · loan HK$5.78M · min. income ≈ HK$61,766/mo (50% DSR)
Upfront cash ≈ HK$818K (deposit + AVD stamp duty HK$176,674 · 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).