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$14,697
−HK$921/mo
▼ 0.25% · 3.875%
HK$15,154
−HK$464/mo
Today · 4.125%
HK$15,618
baseline
▲ 0.50% · 4.625%
HK$16,569
+HK$951/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$31,236/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$179,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,350
−HK$883/mo
▼ 0.25% · 3.875%
HK$16,789
−HK$444/mo
Today · 4.125%
HK$17,233
baseline
▲ 0.50% · 4.625%
HK$18,142
+HK$909/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$34,466/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$179,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,636
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$18,185
−HK$557/mo
Today · 4.125%
HK$18,742
baseline
▲ 0.50% · 4.625%
HK$19,883
+HK$1,141/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$37,484/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$179,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,620
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,146
−HK$534/mo
Today · 4.125%
HK$20,680
baseline
▲ 0.50% · 4.625%
HK$21,770
+HK$1,090/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$41,360/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$179,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,576
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$21,216
−HK$650/mo
Today · 4.125%
HK$21,866
baseline
▲ 0.50% · 4.625%
HK$23,196
+HK$1,330/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$43,732/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$179,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,890
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$23,504
−HK$623/mo
Today · 4.125%
HK$24,127
baseline
▲ 0.50% · 4.625%
HK$25,399
+HK$1,272/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$48,254/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$179,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,454
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$27,277
−HK$836/mo
Today · 4.125%
HK$28,113
baseline
▲ 0.50% · 4.625%
HK$29,824
+HK$1,711/mo
Deposit HK$645K · loan HK$5.80M · min. income ≈ HK$56,226/mo (50% DSR)
Upfront cash ≈ HK$824K (deposit + AVD stamp duty HK$179,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,430
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$30,219
−HK$801/mo
Today · 4.125%
HK$31,020
baseline
▲ 0.50% · 4.625%
HK$32,655
+HK$1,635/mo
Deposit HK$645K · loan HK$5.80M · min. income ≈ HK$62,040/mo (50% DSR)
Upfront cash ≈ HK$824K (deposit + AVD stamp duty HK$179,527 · 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).