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$14,705
−HK$922/mo
▼ 0.25% · 3.875%
HK$15,162
−HK$465/mo
Today · 4.125%
HK$15,627
baseline
▲ 0.50% · 4.625%
HK$16,578
+HK$951/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$31,254/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$179,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,359
−HK$884/mo
▼ 0.25% · 3.875%
HK$16,797
−HK$446/mo
Today · 4.125%
HK$17,243
baseline
▲ 0.50% · 4.625%
HK$18,151
+HK$908/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$34,486/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$179,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,646
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$18,194
−HK$558/mo
Today · 4.125%
HK$18,752
baseline
▲ 0.50% · 4.625%
HK$19,893
+HK$1,141/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$37,504/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$179,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,630
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$20,157
−HK$534/mo
Today · 4.125%
HK$20,691
baseline
▲ 0.50% · 4.625%
HK$21,782
+HK$1,091/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$41,382/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$179,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,586
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$21,227
−HK$650/mo
Today · 4.125%
HK$21,877
baseline
▲ 0.50% · 4.625%
HK$23,209
+HK$1,332/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$43,754/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$179,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,902
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$23,516
−HK$624/mo
Today · 4.125%
HK$24,140
baseline
▲ 0.50% · 4.625%
HK$25,412
+HK$1,272/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$48,280/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$179,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,468
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,292
−HK$836/mo
Today · 4.125%
HK$28,128
baseline
▲ 0.50% · 4.625%
HK$29,840
+HK$1,712/mo
Deposit HK$645K · loan HK$5.80M · min. income ≈ HK$56,256/mo (50% DSR)
Upfront cash ≈ HK$825K (deposit + AVD stamp duty HK$179,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,446
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$30,235
−HK$802/mo
Today · 4.125%
HK$31,037
baseline
▲ 0.50% · 4.625%
HK$32,673
+HK$1,636/mo
Deposit HK$645K · loan HK$5.80M · min. income ≈ HK$62,074/mo (50% DSR)
Upfront cash ≈ HK$825K (deposit + AVD stamp duty HK$179,866 · 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).