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$14,621
−HK$916/mo
▼ 0.25% · 3.875%
HK$15,075
−HK$462/mo
Today · 4.125%
HK$15,537
baseline
▲ 0.50% · 4.625%
HK$16,483
+HK$946/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$31,074/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$176,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,265
−HK$879/mo
▼ 0.25% · 3.875%
HK$16,702
−HK$442/mo
Today · 4.125%
HK$17,144
baseline
▲ 0.50% · 4.625%
HK$18,048
+HK$904/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$34,288/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$176,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,545
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$18,091
−HK$554/mo
Today · 4.125%
HK$18,645
baseline
▲ 0.50% · 4.625%
HK$19,779
+HK$1,134/mo
Deposit HK$2.56M · loan HK$3.85M · min. income ≈ HK$37,290/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$176,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,518
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$20,042
−HK$531/mo
Today · 4.125%
HK$20,573
baseline
▲ 0.50% · 4.625%
HK$21,657
+HK$1,084/mo
Deposit HK$2.56M · loan HK$3.85M · min. income ≈ HK$41,146/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$176,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,469
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$21,106
−HK$646/mo
Today · 4.125%
HK$21,752
baseline
▲ 0.50% · 4.625%
HK$23,076
+HK$1,324/mo
Deposit HK$1.92M · loan HK$4.49M · min. income ≈ HK$43,504/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$176,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,771
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,382
−HK$620/mo
Today · 4.125%
HK$24,002
baseline
▲ 0.50% · 4.625%
HK$25,267
+HK$1,265/mo
Deposit HK$1.92M · loan HK$4.49M · min. income ≈ HK$48,004/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$176,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,317
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$27,136
−HK$831/mo
Today · 4.125%
HK$27,967
baseline
▲ 0.50% · 4.625%
HK$29,669
+HK$1,702/mo
Deposit HK$641K · loan HK$5.77M · min. income ≈ HK$55,934/mo (50% DSR)
Upfront cash ≈ HK$817K (deposit + AVD stamp duty HK$176,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,278
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$30,063
−HK$796/mo
Today · 4.125%
HK$30,859
baseline
▲ 0.50% · 4.625%
HK$32,486
+HK$1,627/mo
Deposit HK$641K · loan HK$5.77M · min. income ≈ HK$61,718/mo (50% DSR)
Upfront cash ≈ HK$817K (deposit + AVD stamp duty HK$176,185 · 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).