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$14,631
−HK$917/mo
▼ 0.25% · 3.875%
HK$15,086
−HK$462/mo
Today · 4.125%
HK$15,548
baseline
▲ 0.50% · 4.625%
HK$16,494
+HK$946/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$31,096/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$176,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,276
−HK$880/mo
▼ 0.25% · 3.875%
HK$16,713
−HK$443/mo
Today · 4.125%
HK$17,156
baseline
▲ 0.50% · 4.625%
HK$18,060
+HK$904/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$34,312/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$176,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,557
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$18,103
−HK$555/mo
Today · 4.125%
HK$18,658
baseline
▲ 0.50% · 4.625%
HK$19,793
+HK$1,135/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$37,316/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$176,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,532
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$20,055
−HK$532/mo
Today · 4.125%
HK$20,587
baseline
▲ 0.50% · 4.625%
HK$21,672
+HK$1,085/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$41,174/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$176,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,483
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,120
−HK$647/mo
Today · 4.125%
HK$21,767
baseline
▲ 0.50% · 4.625%
HK$23,092
+HK$1,325/mo
Deposit HK$1.92M · loan HK$4.49M · min. income ≈ HK$43,534/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$176,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,787
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,398
−HK$620/mo
Today · 4.125%
HK$24,018
baseline
▲ 0.50% · 4.625%
HK$25,284
+HK$1,266/mo
Deposit HK$1.92M · loan HK$4.49M · min. income ≈ HK$48,036/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$176,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,335
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$27,154
−HK$832/mo
Today · 4.125%
HK$27,986
baseline
▲ 0.50% · 4.625%
HK$29,689
+HK$1,703/mo
Deposit HK$642K · loan HK$5.77M · min. income ≈ HK$55,972/mo (50% DSR)
Upfront cash ≈ HK$818K (deposit + AVD stamp duty HK$176,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,297
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$30,083
−HK$797/mo
Today · 4.125%
HK$30,880
baseline
▲ 0.50% · 4.625%
HK$32,508
+HK$1,628/mo
Deposit HK$642K · loan HK$5.77M · min. income ≈ HK$61,760/mo (50% DSR)
Upfront cash ≈ HK$818K (deposit + AVD stamp duty HK$176,619 · 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).