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$14,627
−HK$917/mo
▼ 0.25% · 3.875%
HK$15,082
−HK$462/mo
Today · 4.125%
HK$15,544
baseline
▲ 0.50% · 4.625%
HK$16,490
+HK$946/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$31,088/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$176,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,272
−HK$880/mo
▼ 0.25% · 3.875%
HK$16,709
−HK$443/mo
Today · 4.125%
HK$17,152
baseline
▲ 0.50% · 4.625%
HK$18,056
+HK$904/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$34,304/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$176,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,552
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$18,098
−HK$555/mo
Today · 4.125%
HK$18,653
baseline
▲ 0.50% · 4.625%
HK$19,788
+HK$1,135/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$37,306/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$176,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,527
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$20,051
−HK$531/mo
Today · 4.125%
HK$20,582
baseline
▲ 0.50% · 4.625%
HK$21,667
+HK$1,085/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$41,164/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$176,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,478
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,115
−HK$647/mo
Today · 4.125%
HK$21,762
baseline
▲ 0.50% · 4.625%
HK$23,086
+HK$1,324/mo
Deposit HK$1.92M · loan HK$4.49M · min. income ≈ HK$43,524/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$176,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,781
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,392
−HK$620/mo
Today · 4.125%
HK$24,012
baseline
▲ 0.50% · 4.625%
HK$25,278
+HK$1,266/mo
Deposit HK$1.92M · loan HK$4.49M · min. income ≈ HK$48,024/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$176,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,329
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$27,148
−HK$832/mo
Today · 4.125%
HK$27,980
baseline
▲ 0.50% · 4.625%
HK$29,682
+HK$1,702/mo
Deposit HK$641K · loan HK$5.77M · min. income ≈ HK$55,960/mo (50% DSR)
Upfront cash ≈ HK$818K (deposit + AVD stamp duty HK$176,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,290
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$30,076
−HK$797/mo
Today · 4.125%
HK$30,873
baseline
▲ 0.50% · 4.625%
HK$32,500
+HK$1,627/mo
Deposit HK$641K · loan HK$5.77M · min. income ≈ HK$61,746/mo (50% DSR)
Upfront cash ≈ HK$818K (deposit + AVD stamp duty HK$176,466 · 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).