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$14,697
−HK$922/mo
▼ 0.25% · 3.875%
HK$15,155
−HK$464/mo
Today · 4.125%
HK$15,619
baseline
▲ 0.50% · 4.625%
HK$16,569
+HK$950/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$31,238/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$179,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,351
−HK$883/mo
▼ 0.25% · 3.875%
HK$16,789
−HK$445/mo
Today · 4.125%
HK$17,234
baseline
▲ 0.50% · 4.625%
HK$18,143
+HK$909/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$34,468/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$179,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,637
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$18,186
−HK$557/mo
Today · 4.125%
HK$18,743
baseline
▲ 0.50% · 4.625%
HK$19,883
+HK$1,140/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$37,486/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$179,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,621
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,147
−HK$534/mo
Today · 4.125%
HK$20,681
baseline
▲ 0.50% · 4.625%
HK$21,771
+HK$1,090/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$41,362/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$179,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,576
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$21,216
−HK$651/mo
Today · 4.125%
HK$21,867
baseline
▲ 0.50% · 4.625%
HK$23,197
+HK$1,330/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$43,734/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$179,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,891
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$23,505
−HK$623/mo
Today · 4.125%
HK$24,128
baseline
▲ 0.50% · 4.625%
HK$25,400
+HK$1,272/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$48,256/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$179,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,455
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$27,278
−HK$836/mo
Today · 4.125%
HK$28,114
baseline
▲ 0.50% · 4.625%
HK$29,825
+HK$1,711/mo
Deposit HK$645K · loan HK$5.80M · min. income ≈ HK$56,228/mo (50% DSR)
Upfront cash ≈ HK$824K (deposit + AVD stamp duty HK$179,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,431
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$30,221
−HK$800/mo
Today · 4.125%
HK$31,021
baseline
▲ 0.50% · 4.625%
HK$32,657
+HK$1,636/mo
Deposit HK$645K · loan HK$5.80M · min. income ≈ HK$62,042/mo (50% DSR)
Upfront cash ≈ HK$824K (deposit + AVD stamp duty HK$179,552 · 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).