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$14,640
−HK$918/mo
▼ 0.25% · 3.875%
HK$15,095
−HK$463/mo
Today · 4.125%
HK$15,558
baseline
▲ 0.50% · 4.625%
HK$16,504
+HK$946/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$31,116/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$177,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,287
−HK$879/mo
▼ 0.25% · 3.875%
HK$16,723
−HK$443/mo
Today · 4.125%
HK$17,166
baseline
▲ 0.50% · 4.625%
HK$18,071
+HK$905/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$34,332/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$177,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,568
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$18,114
−HK$555/mo
Today · 4.125%
HK$18,669
baseline
▲ 0.50% · 4.625%
HK$19,805
+HK$1,136/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$37,338/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$177,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,544
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$20,068
−HK$532/mo
Today · 4.125%
HK$20,600
baseline
▲ 0.50% · 4.625%
HK$21,686
+HK$1,086/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$41,200/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$177,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,496
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$21,133
−HK$648/mo
Today · 4.125%
HK$21,781
baseline
▲ 0.50% · 4.625%
HK$23,106
+HK$1,325/mo
Deposit HK$1.93M · loan HK$4.49M · min. income ≈ HK$43,562/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$177,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,801
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$23,413
−HK$620/mo
Today · 4.125%
HK$24,033
baseline
▲ 0.50% · 4.625%
HK$25,300
+HK$1,267/mo
Deposit HK$1.93M · loan HK$4.49M · min. income ≈ HK$48,066/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$177,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,351
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$27,171
−HK$833/mo
Today · 4.125%
HK$28,004
baseline
▲ 0.50% · 4.625%
HK$29,708
+HK$1,704/mo
Deposit HK$642K · loan HK$5.78M · min. income ≈ HK$56,008/mo (50% DSR)
Upfront cash ≈ HK$819K (deposit + AVD stamp duty HK$177,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,316
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$30,102
−HK$798/mo
Today · 4.125%
HK$30,900
baseline
▲ 0.50% · 4.625%
HK$32,528
+HK$1,628/mo
Deposit HK$642K · loan HK$5.78M · min. income ≈ HK$61,800/mo (50% DSR)
Upfront cash ≈ HK$819K (deposit + AVD stamp duty HK$177,020 · 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).