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$14,683
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,139
−HK$464/mo
Today · 4.125%
HK$15,603
baseline
▲ 0.50% · 4.625%
HK$16,553
+HK$950/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$31,206/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$178,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,334
−HK$883/mo
▼ 0.25% · 3.875%
HK$16,772
−HK$445/mo
Today · 4.125%
HK$17,217
baseline
▲ 0.50% · 4.625%
HK$18,124
+HK$907/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$34,434/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$178,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,619
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$18,167
−HK$557/mo
Today · 4.125%
HK$18,724
baseline
▲ 0.50% · 4.625%
HK$19,863
+HK$1,139/mo
Deposit HK$2.58M · loan HK$3.86M · min. income ≈ HK$37,448/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$178,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,601
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$20,127
−HK$533/mo
Today · 4.125%
HK$20,660
baseline
▲ 0.50% · 4.625%
HK$21,749
+HK$1,089/mo
Deposit HK$2.58M · loan HK$3.86M · min. income ≈ HK$41,320/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$178,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,556
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$21,195
−HK$650/mo
Today · 4.125%
HK$21,845
baseline
▲ 0.50% · 4.625%
HK$23,174
+HK$1,329/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$43,690/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$178,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,868
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$23,481
−HK$622/mo
Today · 4.125%
HK$24,103
baseline
▲ 0.50% · 4.625%
HK$25,374
+HK$1,271/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$48,206/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$178,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,429
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$27,251
−HK$835/mo
Today · 4.125%
HK$28,086
baseline
▲ 0.50% · 4.625%
HK$29,795
+HK$1,709/mo
Deposit HK$644K · loan HK$5.80M · min. income ≈ HK$56,172/mo (50% DSR)
Upfront cash ≈ HK$823K (deposit + AVD stamp duty HK$178,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,402
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$30,190
−HK$800/mo
Today · 4.125%
HK$30,990
baseline
▲ 0.50% · 4.625%
HK$32,624
+HK$1,634/mo
Deposit HK$644K · loan HK$5.80M · min. income ≈ HK$61,980/mo (50% DSR)
Upfront cash ≈ HK$823K (deposit + AVD stamp duty HK$178,901 · 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).