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$14,663
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,119
−HK$464/mo
Today · 4.125%
HK$15,583
baseline
▲ 0.50% · 4.625%
HK$16,531
+HK$948/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$31,166/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$178,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,313
−HK$881/mo
▼ 0.25% · 3.875%
HK$16,750
−HK$444/mo
Today · 4.125%
HK$17,194
baseline
▲ 0.50% · 4.625%
HK$18,100
+HK$906/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$34,388/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$178,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,596
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$18,143
−HK$556/mo
Today · 4.125%
HK$18,699
baseline
▲ 0.50% · 4.625%
HK$19,837
+HK$1,138/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$37,398/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$178,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,575
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$20,100
−HK$533/mo
Today · 4.125%
HK$20,633
baseline
▲ 0.50% · 4.625%
HK$21,721
+HK$1,088/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$41,266/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$178,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,529
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$21,167
−HK$649/mo
Today · 4.125%
HK$21,816
baseline
▲ 0.50% · 4.625%
HK$23,143
+HK$1,327/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$43,632/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$178,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,838
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$23,450
−HK$622/mo
Today · 4.125%
HK$24,072
baseline
▲ 0.50% · 4.625%
HK$25,341
+HK$1,269/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$48,144/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$178,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,394
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$27,215
−HK$834/mo
Today · 4.125%
HK$28,049
baseline
▲ 0.50% · 4.625%
HK$29,756
+HK$1,707/mo
Deposit HK$643K · loan HK$5.79M · min. income ≈ HK$56,098/mo (50% DSR)
Upfront cash ≈ HK$821K (deposit + AVD stamp duty HK$178,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,363
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,151
−HK$798/mo
Today · 4.125%
HK$30,949
baseline
▲ 0.50% · 4.625%
HK$32,581
+HK$1,632/mo
Deposit HK$643K · loan HK$5.79M · min. income ≈ HK$61,898/mo (50% DSR)
Upfront cash ≈ HK$821K (deposit + AVD stamp duty HK$178,056 · 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).