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$14,619
−HK$917/mo
▼ 0.25% · 3.875%
HK$15,074
−HK$462/mo
Today · 4.125%
HK$15,536
baseline
▲ 0.50% · 4.625%
HK$16,481
+HK$945/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$31,072/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$176,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,263
−HK$879/mo
▼ 0.25% · 3.875%
HK$16,700
−HK$442/mo
Today · 4.125%
HK$17,142
baseline
▲ 0.50% · 4.625%
HK$18,046
+HK$904/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$34,284/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$176,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,543
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$18,088
−HK$555/mo
Today · 4.125%
HK$18,643
baseline
▲ 0.50% · 4.625%
HK$19,777
+HK$1,134/mo
Deposit HK$2.56M · loan HK$3.85M · min. income ≈ HK$37,286/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$176,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,516
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,039
−HK$531/mo
Today · 4.125%
HK$20,570
baseline
▲ 0.50% · 4.625%
HK$21,655
+HK$1,085/mo
Deposit HK$2.56M · loan HK$3.85M · min. income ≈ HK$41,140/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$176,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,466
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,103
−HK$647/mo
Today · 4.125%
HK$21,750
baseline
▲ 0.50% · 4.625%
HK$23,073
+HK$1,323/mo
Deposit HK$1.92M · loan HK$4.49M · min. income ≈ HK$43,500/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$176,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,769
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,379
−HK$620/mo
Today · 4.125%
HK$23,999
baseline
▲ 0.50% · 4.625%
HK$25,264
+HK$1,265/mo
Deposit HK$1.92M · loan HK$4.49M · min. income ≈ HK$47,998/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$176,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,314
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$27,133
−HK$831/mo
Today · 4.125%
HK$27,964
baseline
▲ 0.50% · 4.625%
HK$29,666
+HK$1,702/mo
Deposit HK$641K · loan HK$5.77M · min. income ≈ HK$55,928/mo (50% DSR)
Upfront cash ≈ HK$817K (deposit + AVD stamp duty HK$176,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,274
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$30,059
−HK$797/mo
Today · 4.125%
HK$30,856
baseline
▲ 0.50% · 4.625%
HK$32,482
+HK$1,626/mo
Deposit HK$641K · loan HK$5.77M · min. income ≈ HK$61,712/mo (50% DSR)
Upfront cash ≈ HK$817K (deposit + AVD stamp duty HK$176,108 · 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).