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$15,096
−HK$462/mo
Today · 4.125%
HK$15,558
baseline
▲ 0.50% · 4.625%
HK$16,505
+HK$947/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$177,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,287
−HK$880/mo
▼ 0.25% · 3.875%
HK$16,724
−HK$443/mo
Today · 4.125%
HK$17,167
baseline
▲ 0.50% · 4.625%
HK$18,072
+HK$905/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$34,334/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$177,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,568
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$18,115
−HK$555/mo
Today · 4.125%
HK$18,670
baseline
▲ 0.50% · 4.625%
HK$19,806
+HK$1,136/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$37,340/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$177,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,545
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$20,069
−HK$532/mo
Today · 4.125%
HK$20,601
baseline
▲ 0.50% · 4.625%
HK$21,686
+HK$1,085/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$41,202/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$177,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,496
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$21,134
−HK$648/mo
Today · 4.125%
HK$21,782
baseline
▲ 0.50% · 4.625%
HK$23,107
+HK$1,325/mo
Deposit HK$1.93M · loan HK$4.49M · min. income ≈ HK$43,564/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$177,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,802
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$23,414
−HK$620/mo
Today · 4.125%
HK$24,034
baseline
▲ 0.50% · 4.625%
HK$25,301
+HK$1,267/mo
Deposit HK$1.93M · loan HK$4.49M · min. income ≈ HK$48,068/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$177,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,353
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$27,172
−HK$833/mo
Today · 4.125%
HK$28,005
baseline
▲ 0.50% · 4.625%
HK$29,709
+HK$1,704/mo
Deposit HK$642K · loan HK$5.78M · min. income ≈ HK$56,010/mo (50% DSR)
Upfront cash ≈ HK$819K (deposit + AVD stamp duty HK$177,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,317
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$30,103
−HK$798/mo
Today · 4.125%
HK$30,901
baseline
▲ 0.50% · 4.625%
HK$32,530
+HK$1,629/mo
Deposit HK$642K · loan HK$5.78M · min. income ≈ HK$61,802/mo (50% DSR)
Upfront cash ≈ HK$819K (deposit + AVD stamp duty HK$177,047 · 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).