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$14,693
−HK$922/mo
▼ 0.25% · 3.875%
HK$15,151
−HK$464/mo
Today · 4.125%
HK$15,615
baseline
▲ 0.50% · 4.625%
HK$16,565
+HK$950/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$31,230/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$179,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,346
−HK$884/mo
▼ 0.25% · 3.875%
HK$16,785
−HK$445/mo
Today · 4.125%
HK$17,230
baseline
▲ 0.50% · 4.625%
HK$18,138
+HK$908/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$34,460/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$179,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,632
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$18,181
−HK$557/mo
Today · 4.125%
HK$18,738
baseline
▲ 0.50% · 4.625%
HK$19,878
+HK$1,140/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$37,476/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$179,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,616
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$20,142
−HK$533/mo
Today · 4.125%
HK$20,675
baseline
▲ 0.50% · 4.625%
HK$21,765
+HK$1,090/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$41,350/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$179,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,571
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$21,211
−HK$650/mo
Today · 4.125%
HK$21,861
baseline
▲ 0.50% · 4.625%
HK$23,191
+HK$1,330/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$43,722/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$179,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,885
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,499
−HK$622/mo
Today · 4.125%
HK$24,121
baseline
▲ 0.50% · 4.625%
HK$25,393
+HK$1,272/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$48,242/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$179,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,448
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$27,271
−HK$836/mo
Today · 4.125%
HK$28,107
baseline
▲ 0.50% · 4.625%
HK$29,817
+HK$1,710/mo
Deposit HK$644K · loan HK$5.80M · min. income ≈ HK$56,214/mo (50% DSR)
Upfront cash ≈ HK$824K (deposit + AVD stamp duty HK$179,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,423
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$30,213
−HK$800/mo
Today · 4.125%
HK$31,013
baseline
▲ 0.50% · 4.625%
HK$32,648
+HK$1,635/mo
Deposit HK$644K · loan HK$5.80M · min. income ≈ HK$62,026/mo (50% DSR)
Upfront cash ≈ HK$824K (deposit + AVD stamp duty HK$179,380 · 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).