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$14,650
−HK$919/mo
▼ 0.25% · 3.875%
HK$15,106
−HK$463/mo
Today · 4.125%
HK$15,569
baseline
▲ 0.50% · 4.625%
HK$16,516
+HK$947/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$31,138/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$177,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,298
−HK$880/mo
▼ 0.25% · 3.875%
HK$16,735
−HK$443/mo
Today · 4.125%
HK$17,178
baseline
▲ 0.50% · 4.625%
HK$18,084
+HK$906/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$34,356/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$177,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,580
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$18,127
−HK$555/mo
Today · 4.125%
HK$18,682
baseline
▲ 0.50% · 4.625%
HK$19,819
+HK$1,137/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$37,364/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$177,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,557
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,082
−HK$532/mo
Today · 4.125%
HK$20,614
baseline
▲ 0.50% · 4.625%
HK$21,701
+HK$1,087/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$41,228/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$177,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,510
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$21,148
−HK$648/mo
Today · 4.125%
HK$21,796
baseline
▲ 0.50% · 4.625%
HK$23,122
+HK$1,326/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$43,592/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$177,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,817
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$23,429
−HK$621/mo
Today · 4.125%
HK$24,050
baseline
▲ 0.50% · 4.625%
HK$25,317
+HK$1,267/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$48,100/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$177,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,370
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$27,190
−HK$833/mo
Today · 4.125%
HK$28,023
baseline
▲ 0.50% · 4.625%
HK$29,729
+HK$1,706/mo
Deposit HK$642K · loan HK$5.78M · min. income ≈ HK$56,046/mo (50% DSR)
Upfront cash ≈ HK$820K (deposit + AVD stamp duty HK$177,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,336
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$30,123
−HK$798/mo
Today · 4.125%
HK$30,921
baseline
▲ 0.50% · 4.625%
HK$32,551
+HK$1,630/mo
Deposit HK$642K · loan HK$5.78M · min. income ≈ HK$61,842/mo (50% DSR)
Upfront cash ≈ HK$820K (deposit + AVD stamp duty HK$177,467 · 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).