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$14,669
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,126
−HK$463/mo
Today · 4.125%
HK$15,589
baseline
▲ 0.50% · 4.625%
HK$16,538
+HK$949/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$31,178/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$178,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,320
−HK$881/mo
▼ 0.25% · 3.875%
HK$16,757
−HK$444/mo
Today · 4.125%
HK$17,201
baseline
▲ 0.50% · 4.625%
HK$18,108
+HK$907/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$34,402/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$178,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,603
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$18,151
−HK$556/mo
Today · 4.125%
HK$18,707
baseline
▲ 0.50% · 4.625%
HK$19,845
+HK$1,138/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$37,414/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$178,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,583
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$20,109
−HK$533/mo
Today · 4.125%
HK$20,642
baseline
▲ 0.50% · 4.625%
HK$21,730
+HK$1,088/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$41,284/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$178,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,537
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$21,176
−HK$649/mo
Today · 4.125%
HK$21,825
baseline
▲ 0.50% · 4.625%
HK$23,153
+HK$1,328/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$43,650/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$178,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,847
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$23,460
−HK$622/mo
Today · 4.125%
HK$24,082
baseline
▲ 0.50% · 4.625%
HK$25,351
+HK$1,269/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$48,164/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$178,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,405
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$27,226
−HK$835/mo
Today · 4.125%
HK$28,061
baseline
▲ 0.50% · 4.625%
HK$29,768
+HK$1,707/mo
Deposit HK$643K · loan HK$5.79M · min. income ≈ HK$56,122/mo (50% DSR)
Upfront cash ≈ HK$822K (deposit + AVD stamp duty HK$178,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,375
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$30,163
−HK$799/mo
Today · 4.125%
HK$30,962
baseline
▲ 0.50% · 4.625%
HK$32,594
+HK$1,632/mo
Deposit HK$643K · loan HK$5.79M · min. income ≈ HK$61,924/mo (50% DSR)
Upfront cash ≈ HK$822K (deposit + AVD stamp duty HK$178,324 · 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).