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$14,667
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,123
−HK$464/mo
Today · 4.125%
HK$15,587
baseline
▲ 0.50% · 4.625%
HK$16,535
+HK$948/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$31,174/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$178,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,317
−HK$881/mo
▼ 0.25% · 3.875%
HK$16,754
−HK$444/mo
Today · 4.125%
HK$17,198
baseline
▲ 0.50% · 4.625%
HK$18,105
+HK$907/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$34,396/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$178,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,600
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$18,148
−HK$556/mo
Today · 4.125%
HK$18,704
baseline
▲ 0.50% · 4.625%
HK$19,842
+HK$1,138/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$37,408/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$178,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,580
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$20,105
−HK$533/mo
Today · 4.125%
HK$20,638
baseline
▲ 0.50% · 4.625%
HK$21,726
+HK$1,088/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$41,276/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$178,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,534
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$21,172
−HK$649/mo
Today · 4.125%
HK$21,821
baseline
▲ 0.50% · 4.625%
HK$23,149
+HK$1,328/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$43,642/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$178,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,843
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$23,456
−HK$622/mo
Today · 4.125%
HK$24,078
baseline
▲ 0.50% · 4.625%
HK$25,347
+HK$1,269/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$48,156/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$178,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,400
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$27,222
−HK$834/mo
Today · 4.125%
HK$28,056
baseline
▲ 0.50% · 4.625%
HK$29,763
+HK$1,707/mo
Deposit HK$643K · loan HK$5.79M · min. income ≈ HK$56,112/mo (50% DSR)
Upfront cash ≈ HK$821K (deposit + AVD stamp duty HK$178,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,370
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$30,158
−HK$799/mo
Today · 4.125%
HK$30,957
baseline
▲ 0.50% · 4.625%
HK$32,589
+HK$1,632/mo
Deposit HK$643K · loan HK$5.79M · min. income ≈ HK$61,914/mo (50% DSR)
Upfront cash ≈ HK$821K (deposit + AVD stamp duty HK$178,211 · 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).