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$14,706
−HK$922/mo
▼ 0.25% · 3.875%
HK$15,163
−HK$465/mo
Today · 4.125%
HK$15,628
baseline
▲ 0.50% · 4.625%
HK$16,579
+HK$951/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$31,256/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$179,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,360
−HK$884/mo
▼ 0.25% · 3.875%
HK$16,799
−HK$445/mo
Today · 4.125%
HK$17,244
baseline
▲ 0.50% · 4.625%
HK$18,153
+HK$909/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$34,488/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$179,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,647
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$18,196
−HK$557/mo
Today · 4.125%
HK$18,753
baseline
▲ 0.50% · 4.625%
HK$19,895
+HK$1,142/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$37,506/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$179,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,632
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$20,158
−HK$535/mo
Today · 4.125%
HK$20,693
baseline
▲ 0.50% · 4.625%
HK$21,783
+HK$1,090/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$41,386/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$179,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,588
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$21,228
−HK$651/mo
Today · 4.125%
HK$21,879
baseline
▲ 0.50% · 4.625%
HK$23,210
+HK$1,331/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$43,758/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$179,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,904
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$23,518
−HK$623/mo
Today · 4.125%
HK$24,141
baseline
▲ 0.50% · 4.625%
HK$25,414
+HK$1,273/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$48,282/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$179,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,470
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,294
−HK$836/mo
Today · 4.125%
HK$28,130
baseline
▲ 0.50% · 4.625%
HK$29,842
+HK$1,712/mo
Deposit HK$645K · loan HK$5.80M · min. income ≈ HK$56,260/mo (50% DSR)
Upfront cash ≈ HK$825K (deposit + AVD stamp duty HK$179,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,448
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$30,238
−HK$801/mo
Today · 4.125%
HK$31,039
baseline
▲ 0.50% · 4.625%
HK$32,675
+HK$1,636/mo
Deposit HK$645K · loan HK$5.80M · min. income ≈ HK$62,078/mo (50% DSR)
Upfront cash ≈ HK$825K (deposit + AVD stamp duty HK$179,916 · 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).