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$14,672
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,128
−HK$464/mo
Today · 4.125%
HK$15,592
baseline
▲ 0.50% · 4.625%
HK$16,540
+HK$948/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$31,184/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$178,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,322
−HK$882/mo
▼ 0.25% · 3.875%
HK$16,760
−HK$444/mo
Today · 4.125%
HK$17,204
baseline
▲ 0.50% · 4.625%
HK$18,111
+HK$907/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$34,408/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$178,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,606
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$18,154
−HK$556/mo
Today · 4.125%
HK$18,710
baseline
▲ 0.50% · 4.625%
HK$19,848
+HK$1,138/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$37,420/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$178,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,586
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$20,112
−HK$533/mo
Today · 4.125%
HK$20,645
baseline
▲ 0.50% · 4.625%
HK$21,733
+HK$1,088/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$41,290/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$178,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,540
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$21,179
−HK$649/mo
Today · 4.125%
HK$21,828
baseline
▲ 0.50% · 4.625%
HK$23,157
+HK$1,329/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$43,656/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$178,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,851
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$23,464
−HK$621/mo
Today · 4.125%
HK$24,085
baseline
▲ 0.50% · 4.625%
HK$25,355
+HK$1,270/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$48,170/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$178,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,409
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$27,230
−HK$835/mo
Today · 4.125%
HK$28,065
baseline
▲ 0.50% · 4.625%
HK$29,773
+HK$1,708/mo
Deposit HK$643K · loan HK$5.79M · min. income ≈ HK$56,130/mo (50% DSR)
Upfront cash ≈ HK$822K (deposit + AVD stamp duty HK$178,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,380
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$30,168
−HK$799/mo
Today · 4.125%
HK$30,967
baseline
▲ 0.50% · 4.625%
HK$32,599
+HK$1,632/mo
Deposit HK$643K · loan HK$5.79M · min. income ≈ HK$61,934/mo (50% DSR)
Upfront cash ≈ HK$822K (deposit + AVD stamp duty HK$178,421 · 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).