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$14,622
−HK$917/mo
▼ 0.25% · 3.875%
HK$15,077
−HK$462/mo
Today · 4.125%
HK$15,539
baseline
▲ 0.50% · 4.625%
HK$16,485
+HK$946/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$31,078/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$176,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,267
−HK$879/mo
▼ 0.25% · 3.875%
HK$16,703
−HK$443/mo
Today · 4.125%
HK$17,146
baseline
▲ 0.50% · 4.625%
HK$18,050
+HK$904/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$34,292/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$176,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,547
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$18,092
−HK$555/mo
Today · 4.125%
HK$18,647
baseline
▲ 0.50% · 4.625%
HK$19,781
+HK$1,134/mo
Deposit HK$2.56M · loan HK$3.85M · min. income ≈ HK$37,294/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$176,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,520
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$20,044
−HK$531/mo
Today · 4.125%
HK$20,575
baseline
▲ 0.50% · 4.625%
HK$21,660
+HK$1,085/mo
Deposit HK$2.56M · loan HK$3.85M · min. income ≈ HK$41,150/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$176,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,471
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,108
−HK$647/mo
Today · 4.125%
HK$21,755
baseline
▲ 0.50% · 4.625%
HK$23,078
+HK$1,323/mo
Deposit HK$1.92M · loan HK$4.49M · min. income ≈ HK$43,510/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$176,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,774
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,385
−HK$619/mo
Today · 4.125%
HK$24,004
baseline
▲ 0.50% · 4.625%
HK$25,269
+HK$1,265/mo
Deposit HK$1.92M · loan HK$4.49M · min. income ≈ HK$48,008/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$176,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,320
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$27,139
−HK$831/mo
Today · 4.125%
HK$27,970
baseline
▲ 0.50% · 4.625%
HK$29,672
+HK$1,702/mo
Deposit HK$641K · loan HK$5.77M · min. income ≈ HK$55,940/mo (50% DSR)
Upfront cash ≈ HK$817K (deposit + AVD stamp duty HK$176,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,281
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$30,066
−HK$796/mo
Today · 4.125%
HK$30,862
baseline
▲ 0.50% · 4.625%
HK$32,489
+HK$1,627/mo
Deposit HK$641K · loan HK$5.77M · min. income ≈ HK$61,724/mo (50% DSR)
Upfront cash ≈ HK$817K (deposit + AVD stamp duty HK$176,250 · 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).