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$14,685
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,141
−HK$464/mo
Today · 4.125%
HK$15,605
baseline
▲ 0.50% · 4.625%
HK$16,555
+HK$950/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$31,210/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$178,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,336
−HK$883/mo
▼ 0.25% · 3.875%
HK$16,775
−HK$444/mo
Today · 4.125%
HK$17,219
baseline
▲ 0.50% · 4.625%
HK$18,127
+HK$908/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$34,438/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$178,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,621
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$18,170
−HK$556/mo
Today · 4.125%
HK$18,726
baseline
▲ 0.50% · 4.625%
HK$19,866
+HK$1,140/mo
Deposit HK$2.58M · loan HK$3.86M · min. income ≈ HK$37,452/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$178,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,604
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$20,129
−HK$534/mo
Today · 4.125%
HK$20,663
baseline
▲ 0.50% · 4.625%
HK$21,752
+HK$1,089/mo
Deposit HK$2.58M · loan HK$3.86M · min. income ≈ HK$41,326/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$178,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,558
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$21,198
−HK$650/mo
Today · 4.125%
HK$21,848
baseline
▲ 0.50% · 4.625%
HK$23,177
+HK$1,329/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$43,696/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$178,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,871
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,484
−HK$623/mo
Today · 4.125%
HK$24,107
baseline
▲ 0.50% · 4.625%
HK$25,377
+HK$1,270/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$48,214/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$178,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,432
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$27,254
−HK$836/mo
Today · 4.125%
HK$28,090
baseline
▲ 0.50% · 4.625%
HK$29,799
+HK$1,709/mo
Deposit HK$644K · loan HK$5.80M · min. income ≈ HK$56,180/mo (50% DSR)
Upfront cash ≈ HK$823K (deposit + AVD stamp duty HK$178,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,406
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$30,194
−HK$800/mo
Today · 4.125%
HK$30,994
baseline
▲ 0.50% · 4.625%
HK$32,628
+HK$1,634/mo
Deposit HK$644K · loan HK$5.80M · min. income ≈ HK$61,988/mo (50% DSR)
Upfront cash ≈ HK$823K (deposit + AVD stamp duty HK$178,987 · 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).