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$14,671
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,127
−HK$464/mo
Today · 4.125%
HK$15,591
baseline
▲ 0.50% · 4.625%
HK$16,539
+HK$948/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$31,182/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$178,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,321
−HK$882/mo
▼ 0.25% · 3.875%
HK$16,759
−HK$444/mo
Today · 4.125%
HK$17,203
baseline
▲ 0.50% · 4.625%
HK$18,110
+HK$907/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$34,406/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$178,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,605
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$18,152
−HK$557/mo
Today · 4.125%
HK$18,709
baseline
▲ 0.50% · 4.625%
HK$19,847
+HK$1,138/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$37,418/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$178,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,585
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$20,110
−HK$533/mo
Today · 4.125%
HK$20,643
baseline
▲ 0.50% · 4.625%
HK$21,731
+HK$1,088/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$41,286/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$178,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,539
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$21,178
−HK$649/mo
Today · 4.125%
HK$21,827
baseline
▲ 0.50% · 4.625%
HK$23,155
+HK$1,328/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$43,654/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$178,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,849
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$23,462
−HK$622/mo
Today · 4.125%
HK$24,084
baseline
▲ 0.50% · 4.625%
HK$25,353
+HK$1,269/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$48,168/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$178,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,407
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$27,229
−HK$834/mo
Today · 4.125%
HK$28,063
baseline
▲ 0.50% · 4.625%
HK$29,771
+HK$1,708/mo
Deposit HK$643K · loan HK$5.79M · min. income ≈ HK$56,126/mo (50% DSR)
Upfront cash ≈ HK$822K (deposit + AVD stamp duty HK$178,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,378
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$30,166
−HK$799/mo
Today · 4.125%
HK$30,965
baseline
▲ 0.50% · 4.625%
HK$32,597
+HK$1,632/mo
Deposit HK$643K · loan HK$5.79M · min. income ≈ HK$61,930/mo (50% DSR)
Upfront cash ≈ HK$822K (deposit + AVD stamp duty HK$178,380 · 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).