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$14,654
−HK$919/mo
▼ 0.25% · 3.875%
HK$15,110
−HK$463/mo
Today · 4.125%
HK$15,573
baseline
▲ 0.50% · 4.625%
HK$16,521
+HK$948/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$31,146/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$177,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,303
−HK$881/mo
▼ 0.25% · 3.875%
HK$16,740
−HK$444/mo
Today · 4.125%
HK$17,184
baseline
▲ 0.50% · 4.625%
HK$18,089
+HK$905/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$34,368/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$177,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,585
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$18,132
−HK$556/mo
Today · 4.125%
HK$18,688
baseline
▲ 0.50% · 4.625%
HK$19,825
+HK$1,137/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$37,376/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$177,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,563
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,088
−HK$532/mo
Today · 4.125%
HK$20,620
baseline
▲ 0.50% · 4.625%
HK$21,707
+HK$1,087/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$41,240/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$177,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,516
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$21,154
−HK$649/mo
Today · 4.125%
HK$21,803
baseline
▲ 0.50% · 4.625%
HK$23,129
+HK$1,326/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$43,606/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$177,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,824
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$23,436
−HK$621/mo
Today · 4.125%
HK$24,057
baseline
▲ 0.50% · 4.625%
HK$25,325
+HK$1,268/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$48,114/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$177,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,378
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,198
−HK$834/mo
Today · 4.125%
HK$28,032
baseline
▲ 0.50% · 4.625%
HK$29,738
+HK$1,706/mo
Deposit HK$643K · loan HK$5.78M · min. income ≈ HK$56,064/mo (50% DSR)
Upfront cash ≈ HK$820K (deposit + AVD stamp duty HK$177,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,345
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,132
−HK$799/mo
Today · 4.125%
HK$30,931
baseline
▲ 0.50% · 4.625%
HK$32,561
+HK$1,630/mo
Deposit HK$643K · loan HK$5.78M · min. income ≈ HK$61,862/mo (50% DSR)
Upfront cash ≈ HK$820K (deposit + AVD stamp duty HK$177,666 · 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).