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$14,677
−HK$921/mo
▼ 0.25% · 3.875%
HK$15,134
−HK$464/mo
Today · 4.125%
HK$15,598
baseline
▲ 0.50% · 4.625%
HK$16,547
+HK$949/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$31,196/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$178,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,328
−HK$883/mo
▼ 0.25% · 3.875%
HK$16,766
−HK$445/mo
Today · 4.125%
HK$17,211
baseline
▲ 0.50% · 4.625%
HK$18,118
+HK$907/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$34,422/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$178,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,613
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$18,161
−HK$556/mo
Today · 4.125%
HK$18,717
baseline
▲ 0.50% · 4.625%
HK$19,856
+HK$1,139/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$37,434/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$178,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,594
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$20,120
−HK$533/mo
Today · 4.125%
HK$20,653
baseline
▲ 0.50% · 4.625%
HK$21,741
+HK$1,088/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$41,306/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$178,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,548
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$21,187
−HK$650/mo
Today · 4.125%
HK$21,837
baseline
▲ 0.50% · 4.625%
HK$23,165
+HK$1,328/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$43,674/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$178,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,860
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$23,473
−HK$622/mo
Today · 4.125%
HK$24,095
baseline
▲ 0.50% · 4.625%
HK$25,365
+HK$1,270/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$48,190/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$178,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,419
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$27,241
−HK$835/mo
Today · 4.125%
HK$28,076
baseline
▲ 0.50% · 4.625%
HK$29,784
+HK$1,708/mo
Deposit HK$644K · loan HK$5.79M · min. income ≈ HK$56,152/mo (50% DSR)
Upfront cash ≈ HK$822K (deposit + AVD stamp duty HK$178,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,391
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$30,179
−HK$800/mo
Today · 4.125%
HK$30,979
baseline
▲ 0.50% · 4.625%
HK$32,612
+HK$1,633/mo
Deposit HK$644K · loan HK$5.79M · min. income ≈ HK$61,958/mo (50% DSR)
Upfront cash ≈ HK$822K (deposit + AVD stamp duty HK$178,669 · 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).