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$14,677
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,133
−HK$464/mo
Today · 4.125%
HK$15,597
baseline
▲ 0.50% · 4.625%
HK$16,546
+HK$949/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$31,194/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$178,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,328
−HK$882/mo
▼ 0.25% · 3.875%
HK$16,766
−HK$444/mo
Today · 4.125%
HK$17,210
baseline
▲ 0.50% · 4.625%
HK$18,117
+HK$907/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$34,420/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$178,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,612
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$18,160
−HK$557/mo
Today · 4.125%
HK$18,717
baseline
▲ 0.50% · 4.625%
HK$19,855
+HK$1,138/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$37,434/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$178,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,593
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$20,119
−HK$533/mo
Today · 4.125%
HK$20,652
baseline
▲ 0.50% · 4.625%
HK$21,740
+HK$1,088/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$41,304/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$178,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,547
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$21,187
−HK$649/mo
Today · 4.125%
HK$21,836
baseline
▲ 0.50% · 4.625%
HK$23,165
+HK$1,329/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$43,672/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$178,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,859
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$23,472
−HK$622/mo
Today · 4.125%
HK$24,094
baseline
▲ 0.50% · 4.625%
HK$25,364
+HK$1,270/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$48,188/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$178,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,418
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$27,240
−HK$835/mo
Today · 4.125%
HK$28,075
baseline
▲ 0.50% · 4.625%
HK$29,783
+HK$1,708/mo
Deposit HK$644K · loan HK$5.79M · min. income ≈ HK$56,150/mo (50% DSR)
Upfront cash ≈ HK$822K (deposit + AVD stamp duty HK$178,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,390
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$30,178
−HK$800/mo
Today · 4.125%
HK$30,978
baseline
▲ 0.50% · 4.625%
HK$32,611
+HK$1,633/mo
Deposit HK$644K · loan HK$5.79M · min. income ≈ HK$61,956/mo (50% DSR)
Upfront cash ≈ HK$822K (deposit + AVD stamp duty HK$178,646 · 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).