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$14,647
−HK$919/mo
▼ 0.25% · 3.875%
HK$15,103
−HK$463/mo
Today · 4.125%
HK$15,566
baseline
▲ 0.50% · 4.625%
HK$16,513
+HK$947/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$31,132/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$177,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,295
−HK$880/mo
▼ 0.25% · 3.875%
HK$16,732
−HK$443/mo
Today · 4.125%
HK$17,175
baseline
▲ 0.50% · 4.625%
HK$18,080
+HK$905/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$34,350/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$177,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,577
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$18,123
−HK$556/mo
Today · 4.125%
HK$18,679
baseline
▲ 0.50% · 4.625%
HK$19,815
+HK$1,136/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$37,358/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$177,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,554
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$20,078
−HK$532/mo
Today · 4.125%
HK$20,610
baseline
▲ 0.50% · 4.625%
HK$21,697
+HK$1,087/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$41,220/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$177,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,506
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$21,144
−HK$648/mo
Today · 4.125%
HK$21,792
baseline
▲ 0.50% · 4.625%
HK$23,118
+HK$1,326/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$43,584/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$177,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,813
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$23,424
−HK$621/mo
Today · 4.125%
HK$24,045
baseline
▲ 0.50% · 4.625%
HK$25,313
+HK$1,268/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$48,090/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$177,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,365
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$27,185
−HK$833/mo
Today · 4.125%
HK$28,018
baseline
▲ 0.50% · 4.625%
HK$29,723
+HK$1,705/mo
Deposit HK$642K · loan HK$5.78M · min. income ≈ HK$56,036/mo (50% DSR)
Upfront cash ≈ HK$820K (deposit + AVD stamp duty HK$177,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,331
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$30,117
−HK$798/mo
Today · 4.125%
HK$30,915
baseline
▲ 0.50% · 4.625%
HK$32,545
+HK$1,630/mo
Deposit HK$642K · loan HK$5.78M · min. income ≈ HK$61,830/mo (50% DSR)
Upfront cash ≈ HK$820K (deposit + AVD stamp duty HK$177,345 · 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).