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$14,645
−HK$918/mo
▼ 0.25% · 3.875%
HK$15,100
−HK$463/mo
Today · 4.125%
HK$15,563
baseline
▲ 0.50% · 4.625%
HK$16,510
+HK$947/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$31,126/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$177,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,292
−HK$881/mo
▼ 0.25% · 3.875%
HK$16,729
−HK$444/mo
Today · 4.125%
HK$17,173
baseline
▲ 0.50% · 4.625%
HK$18,078
+HK$905/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$34,346/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$177,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,574
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$18,121
−HK$555/mo
Today · 4.125%
HK$18,676
baseline
▲ 0.50% · 4.625%
HK$19,812
+HK$1,136/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$37,352/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$177,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,551
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$20,075
−HK$532/mo
Today · 4.125%
HK$20,607
baseline
▲ 0.50% · 4.625%
HK$21,693
+HK$1,086/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$41,214/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$177,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,503
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$21,141
−HK$648/mo
Today · 4.125%
HK$21,789
baseline
▲ 0.50% · 4.625%
HK$23,114
+HK$1,325/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$43,578/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$177,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,809
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$23,421
−HK$621/mo
Today · 4.125%
HK$24,042
baseline
▲ 0.50% · 4.625%
HK$25,309
+HK$1,267/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$48,084/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$177,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,361
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$27,181
−HK$833/mo
Today · 4.125%
HK$28,014
baseline
▲ 0.50% · 4.625%
HK$29,719
+HK$1,705/mo
Deposit HK$642K · loan HK$5.78M · min. income ≈ HK$56,028/mo (50% DSR)
Upfront cash ≈ HK$819K (deposit + AVD stamp duty HK$177,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,326
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$30,113
−HK$798/mo
Today · 4.125%
HK$30,911
baseline
▲ 0.50% · 4.625%
HK$32,540
+HK$1,629/mo
Deposit HK$642K · loan HK$5.78M · min. income ≈ HK$61,822/mo (50% DSR)
Upfront cash ≈ HK$819K (deposit + AVD stamp duty HK$177,250 · 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).