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$14,624
−HK$917/mo
▼ 0.25% · 3.875%
HK$15,079
−HK$462/mo
Today · 4.125%
HK$15,541
baseline
▲ 0.50% · 4.625%
HK$16,487
+HK$946/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$31,082/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$176,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,269
−HK$879/mo
▼ 0.25% · 3.875%
HK$16,706
−HK$442/mo
Today · 4.125%
HK$17,148
baseline
▲ 0.50% · 4.625%
HK$18,052
+HK$904/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$34,296/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$176,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,549
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$18,095
−HK$555/mo
Today · 4.125%
HK$18,650
baseline
▲ 0.50% · 4.625%
HK$19,785
+HK$1,135/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$37,300/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$176,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,523
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$20,047
−HK$531/mo
Today · 4.125%
HK$20,578
baseline
▲ 0.50% · 4.625%
HK$21,663
+HK$1,085/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$41,156/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$176,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,474
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,111
−HK$647/mo
Today · 4.125%
HK$21,758
baseline
▲ 0.50% · 4.625%
HK$23,082
+HK$1,324/mo
Deposit HK$1.92M · loan HK$4.49M · min. income ≈ HK$43,516/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$176,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,777
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,388
−HK$620/mo
Today · 4.125%
HK$24,008
baseline
▲ 0.50% · 4.625%
HK$25,273
+HK$1,265/mo
Deposit HK$1.92M · loan HK$4.49M · min. income ≈ HK$48,016/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$176,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,324
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$27,143
−HK$832/mo
Today · 4.125%
HK$27,975
baseline
▲ 0.50% · 4.625%
HK$29,677
+HK$1,702/mo
Deposit HK$641K · loan HK$5.77M · min. income ≈ HK$55,950/mo (50% DSR)
Upfront cash ≈ HK$818K (deposit + AVD stamp duty HK$176,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,285
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$30,070
−HK$797/mo
Today · 4.125%
HK$30,867
baseline
▲ 0.50% · 4.625%
HK$32,494
+HK$1,627/mo
Deposit HK$641K · loan HK$5.77M · min. income ≈ HK$61,734/mo (50% DSR)
Upfront cash ≈ HK$818K (deposit + AVD stamp duty HK$176,348 · 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).