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$14,660
−HK$919/mo
▼ 0.25% · 3.875%
HK$15,116
−HK$463/mo
Today · 4.125%
HK$15,579
baseline
▲ 0.50% · 4.625%
HK$16,527
+HK$948/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$31,158/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$177,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,309
−HK$881/mo
▼ 0.25% · 3.875%
HK$16,746
−HK$444/mo
Today · 4.125%
HK$17,190
baseline
▲ 0.50% · 4.625%
HK$18,096
+HK$906/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$34,380/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$177,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,592
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$18,139
−HK$556/mo
Today · 4.125%
HK$18,695
baseline
▲ 0.50% · 4.625%
HK$19,833
+HK$1,138/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$37,390/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$177,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,571
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,096
−HK$532/mo
Today · 4.125%
HK$20,628
baseline
▲ 0.50% · 4.625%
HK$21,716
+HK$1,088/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$41,256/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$177,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,524
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$21,162
−HK$649/mo
Today · 4.125%
HK$21,811
baseline
▲ 0.50% · 4.625%
HK$23,138
+HK$1,327/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$43,622/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$177,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,833
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$23,445
−HK$621/mo
Today · 4.125%
HK$24,066
baseline
▲ 0.50% · 4.625%
HK$25,335
+HK$1,269/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$48,132/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$177,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,388
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$27,209
−HK$834/mo
Today · 4.125%
HK$28,043
baseline
▲ 0.50% · 4.625%
HK$29,749
+HK$1,706/mo
Deposit HK$643K · loan HK$5.79M · min. income ≈ HK$56,086/mo (50% DSR)
Upfront cash ≈ HK$821K (deposit + AVD stamp duty HK$177,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,356
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,144
−HK$798/mo
Today · 4.125%
HK$30,942
baseline
▲ 0.50% · 4.625%
HK$32,573
+HK$1,631/mo
Deposit HK$643K · loan HK$5.79M · min. income ≈ HK$61,884/mo (50% DSR)
Upfront cash ≈ HK$821K (deposit + AVD stamp duty HK$177,907 · 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).