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$14,642
−HK$918/mo
▼ 0.25% · 3.875%
HK$15,098
−HK$462/mo
Today · 4.125%
HK$15,560
baseline
▲ 0.50% · 4.625%
HK$16,507
+HK$947/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$31,120/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$177,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,289
−HK$880/mo
▼ 0.25% · 3.875%
HK$16,726
−HK$443/mo
Today · 4.125%
HK$17,169
baseline
▲ 0.50% · 4.625%
HK$18,074
+HK$905/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$34,338/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$177,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,571
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$18,117
−HK$555/mo
Today · 4.125%
HK$18,672
baseline
▲ 0.50% · 4.625%
HK$19,809
+HK$1,137/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$37,344/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$177,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,547
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$20,071
−HK$532/mo
Today · 4.125%
HK$20,603
baseline
▲ 0.50% · 4.625%
HK$21,689
+HK$1,086/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$41,206/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$177,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,499
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$21,137
−HK$647/mo
Today · 4.125%
HK$21,784
baseline
▲ 0.50% · 4.625%
HK$23,110
+HK$1,326/mo
Deposit HK$1.93M · loan HK$4.49M · min. income ≈ HK$43,568/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$177,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,805
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$23,417
−HK$620/mo
Today · 4.125%
HK$24,037
baseline
▲ 0.50% · 4.625%
HK$25,304
+HK$1,267/mo
Deposit HK$1.93M · loan HK$4.49M · min. income ≈ HK$48,074/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$177,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,356
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$27,176
−HK$833/mo
Today · 4.125%
HK$28,009
baseline
▲ 0.50% · 4.625%
HK$29,713
+HK$1,704/mo
Deposit HK$642K · loan HK$5.78M · min. income ≈ HK$56,018/mo (50% DSR)
Upfront cash ≈ HK$819K (deposit + AVD stamp duty HK$177,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,321
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$30,107
−HK$798/mo
Today · 4.125%
HK$30,905
baseline
▲ 0.50% · 4.625%
HK$32,534
+HK$1,629/mo
Deposit HK$642K · loan HK$5.78M · min. income ≈ HK$61,810/mo (50% DSR)
Upfront cash ≈ HK$819K (deposit + AVD stamp duty HK$177,127 · 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).