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$14,654
−HK$918/mo
▼ 0.25% · 3.875%
HK$15,109
−HK$463/mo
Today · 4.125%
HK$15,572
baseline
▲ 0.50% · 4.625%
HK$16,520
+HK$948/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$31,144/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$177,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,302
−HK$881/mo
▼ 0.25% · 3.875%
HK$16,739
−HK$444/mo
Today · 4.125%
HK$17,183
baseline
▲ 0.50% · 4.625%
HK$18,088
+HK$905/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$34,366/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$177,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,584
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$18,131
−HK$556/mo
Today · 4.125%
HK$18,687
baseline
▲ 0.50% · 4.625%
HK$19,824
+HK$1,137/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$37,374/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$177,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,562
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,087
−HK$532/mo
Today · 4.125%
HK$20,619
baseline
▲ 0.50% · 4.625%
HK$21,706
+HK$1,087/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$41,238/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$177,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,515
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$21,153
−HK$648/mo
Today · 4.125%
HK$21,801
baseline
▲ 0.50% · 4.625%
HK$23,128
+HK$1,327/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$43,602/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$177,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,823
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$23,435
−HK$621/mo
Today · 4.125%
HK$24,056
baseline
▲ 0.50% · 4.625%
HK$25,324
+HK$1,268/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$48,112/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$177,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,376
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,197
−HK$833/mo
Today · 4.125%
HK$28,030
baseline
▲ 0.50% · 4.625%
HK$29,736
+HK$1,706/mo
Deposit HK$643K · loan HK$5.78M · min. income ≈ HK$56,060/mo (50% DSR)
Upfront cash ≈ HK$820K (deposit + AVD stamp duty HK$177,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,344
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$30,130
−HK$799/mo
Today · 4.125%
HK$30,929
baseline
▲ 0.50% · 4.625%
HK$32,559
+HK$1,630/mo
Deposit HK$643K · loan HK$5.78M · min. income ≈ HK$61,858/mo (50% DSR)
Upfront cash ≈ HK$820K (deposit + AVD stamp duty HK$177,629 · 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).