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$14,646
−HK$919/mo
▼ 0.25% · 3.875%
HK$15,102
−HK$463/mo
Today · 4.125%
HK$15,565
baseline
▲ 0.50% · 4.625%
HK$16,512
+HK$947/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$31,130/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$177,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,294
−HK$880/mo
▼ 0.25% · 3.875%
HK$16,731
−HK$443/mo
Today · 4.125%
HK$17,174
baseline
▲ 0.50% · 4.625%
HK$18,079
+HK$905/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$34,348/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$177,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,576
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$18,122
−HK$556/mo
Today · 4.125%
HK$18,678
baseline
▲ 0.50% · 4.625%
HK$19,814
+HK$1,136/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$37,356/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$177,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,553
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$20,077
−HK$532/mo
Today · 4.125%
HK$20,609
baseline
▲ 0.50% · 4.625%
HK$21,695
+HK$1,086/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$41,218/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$177,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,505
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$21,143
−HK$648/mo
Today · 4.125%
HK$21,791
baseline
▲ 0.50% · 4.625%
HK$23,117
+HK$1,326/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$43,582/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$177,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,811
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$23,423
−HK$621/mo
Today · 4.125%
HK$24,044
baseline
▲ 0.50% · 4.625%
HK$25,311
+HK$1,267/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$48,088/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$177,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,363
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,183
−HK$834/mo
Today · 4.125%
HK$28,017
baseline
▲ 0.50% · 4.625%
HK$29,721
+HK$1,704/mo
Deposit HK$642K · loan HK$5.78M · min. income ≈ HK$56,034/mo (50% DSR)
Upfront cash ≈ HK$820K (deposit + AVD stamp duty HK$177,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,329
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$30,116
−HK$797/mo
Today · 4.125%
HK$30,913
baseline
▲ 0.50% · 4.625%
HK$32,543
+HK$1,630/mo
Deposit HK$642K · loan HK$5.78M · min. income ≈ HK$61,826/mo (50% DSR)
Upfront cash ≈ HK$820K (deposit + AVD stamp duty HK$177,310 · 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).