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$14,621
−HK$917/mo
▼ 0.25% · 3.875%
HK$15,076
−HK$462/mo
Today · 4.125%
HK$15,538
baseline
▲ 0.50% · 4.625%
HK$16,483
+HK$945/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$31,076/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$176,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,266
−HK$879/mo
▼ 0.25% · 3.875%
HK$16,702
−HK$443/mo
Today · 4.125%
HK$17,145
baseline
▲ 0.50% · 4.625%
HK$18,048
+HK$903/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$34,290/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$176,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,545
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$18,091
−HK$555/mo
Today · 4.125%
HK$18,646
baseline
▲ 0.50% · 4.625%
HK$19,780
+HK$1,134/mo
Deposit HK$2.56M · loan HK$3.85M · min. income ≈ HK$37,292/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$176,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,519
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,042
−HK$531/mo
Today · 4.125%
HK$20,573
baseline
▲ 0.50% · 4.625%
HK$21,658
+HK$1,085/mo
Deposit HK$2.56M · loan HK$3.85M · min. income ≈ HK$41,146/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$176,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,469
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,106
−HK$647/mo
Today · 4.125%
HK$21,753
baseline
▲ 0.50% · 4.625%
HK$23,077
+HK$1,324/mo
Deposit HK$1.92M · loan HK$4.49M · min. income ≈ HK$43,506/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$176,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,772
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,383
−HK$619/mo
Today · 4.125%
HK$24,002
baseline
▲ 0.50% · 4.625%
HK$25,268
+HK$1,266/mo
Deposit HK$1.92M · loan HK$4.49M · min. income ≈ HK$48,004/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$176,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,318
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$27,137
−HK$831/mo
Today · 4.125%
HK$27,968
baseline
▲ 0.50% · 4.625%
HK$29,670
+HK$1,702/mo
Deposit HK$641K · loan HK$5.77M · min. income ≈ HK$55,936/mo (50% DSR)
Upfront cash ≈ HK$817K (deposit + AVD stamp duty HK$176,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,278
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$30,064
−HK$796/mo
Today · 4.125%
HK$30,860
baseline
▲ 0.50% · 4.625%
HK$32,487
+HK$1,627/mo
Deposit HK$641K · loan HK$5.77M · min. income ≈ HK$61,720/mo (50% DSR)
Upfront cash ≈ HK$817K (deposit + AVD stamp duty HK$176,203 · 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).