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$14,658
−HK$919/mo
▼ 0.25% · 3.875%
HK$15,114
−HK$463/mo
Today · 4.125%
HK$15,577
baseline
▲ 0.50% · 4.625%
HK$16,525
+HK$948/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$31,154/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$177,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,307
−HK$881/mo
▼ 0.25% · 3.875%
HK$16,744
−HK$444/mo
Today · 4.125%
HK$17,188
baseline
▲ 0.50% · 4.625%
HK$18,094
+HK$906/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$34,376/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$177,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,589
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$18,137
−HK$555/mo
Today · 4.125%
HK$18,692
baseline
▲ 0.50% · 4.625%
HK$19,830
+HK$1,138/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$37,384/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$177,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,568
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,093
−HK$532/mo
Today · 4.125%
HK$20,625
baseline
▲ 0.50% · 4.625%
HK$21,713
+HK$1,088/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$41,250/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$177,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,521
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$21,159
−HK$649/mo
Today · 4.125%
HK$21,808
baseline
▲ 0.50% · 4.625%
HK$23,135
+HK$1,327/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$43,616/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$177,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,829
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$23,442
−HK$621/mo
Today · 4.125%
HK$24,063
baseline
▲ 0.50% · 4.625%
HK$25,331
+HK$1,268/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$48,126/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$177,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,384
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$27,205
−HK$834/mo
Today · 4.125%
HK$28,039
baseline
▲ 0.50% · 4.625%
HK$29,745
+HK$1,706/mo
Deposit HK$643K · loan HK$5.79M · min. income ≈ HK$56,078/mo (50% DSR)
Upfront cash ≈ HK$821K (deposit + AVD stamp duty HK$177,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,352
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,139
−HK$799/mo
Today · 4.125%
HK$30,938
baseline
▲ 0.50% · 4.625%
HK$32,569
+HK$1,631/mo
Deposit HK$643K · loan HK$5.79M · min. income ≈ HK$61,876/mo (50% DSR)
Upfront cash ≈ HK$821K (deposit + AVD stamp duty HK$177,818 · 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).