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$14,651
−HK$919/mo
▼ 0.25% · 3.875%
HK$15,107
−HK$463/mo
Today · 4.125%
HK$15,570
baseline
▲ 0.50% · 4.625%
HK$16,517
+HK$947/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$31,140/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$177,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,299
−HK$881/mo
▼ 0.25% · 3.875%
HK$16,737
−HK$443/mo
Today · 4.125%
HK$17,180
baseline
▲ 0.50% · 4.625%
HK$18,086
+HK$906/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$34,360/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$177,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,582
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$18,128
−HK$556/mo
Today · 4.125%
HK$18,684
baseline
▲ 0.50% · 4.625%
HK$19,821
+HK$1,137/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$37,368/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$177,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,559
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,084
−HK$532/mo
Today · 4.125%
HK$20,616
baseline
▲ 0.50% · 4.625%
HK$21,703
+HK$1,087/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$41,232/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$177,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,512
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$21,150
−HK$648/mo
Today · 4.125%
HK$21,798
baseline
▲ 0.50% · 4.625%
HK$23,124
+HK$1,326/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$43,596/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$177,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,819
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$23,431
−HK$621/mo
Today · 4.125%
HK$24,052
baseline
▲ 0.50% · 4.625%
HK$25,320
+HK$1,268/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$48,104/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$177,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,372
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,193
−HK$833/mo
Today · 4.125%
HK$28,026
baseline
▲ 0.50% · 4.625%
HK$29,731
+HK$1,705/mo
Deposit HK$643K · loan HK$5.78M · min. income ≈ HK$56,052/mo (50% DSR)
Upfront cash ≈ HK$820K (deposit + AVD stamp duty HK$177,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,339
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$30,126
−HK$798/mo
Today · 4.125%
HK$30,924
baseline
▲ 0.50% · 4.625%
HK$32,554
+HK$1,630/mo
Deposit HK$643K · loan HK$5.78M · min. income ≈ HK$61,848/mo (50% DSR)
Upfront cash ≈ HK$820K (deposit + AVD stamp duty HK$177,529 · 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).