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$14,702
−HK$922/mo
▼ 0.25% · 3.875%
HK$15,159
−HK$465/mo
Today · 4.125%
HK$15,624
baseline
▲ 0.50% · 4.625%
HK$16,574
+HK$950/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$31,248/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$179,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,356
−HK$883/mo
▼ 0.25% · 3.875%
HK$16,794
−HK$445/mo
Today · 4.125%
HK$17,239
baseline
▲ 0.50% · 4.625%
HK$18,148
+HK$909/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$34,478/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$179,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,642
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$18,191
−HK$558/mo
Today · 4.125%
HK$18,749
baseline
▲ 0.50% · 4.625%
HK$19,889
+HK$1,140/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$37,498/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$179,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,627
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,153
−HK$534/mo
Today · 4.125%
HK$20,687
baseline
▲ 0.50% · 4.625%
HK$21,778
+HK$1,091/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$41,374/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$179,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,583
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$21,223
−HK$650/mo
Today · 4.125%
HK$21,873
baseline
▲ 0.50% · 4.625%
HK$23,204
+HK$1,331/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$43,746/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$179,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,898
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$23,512
−HK$623/mo
Today · 4.125%
HK$24,135
baseline
▲ 0.50% · 4.625%
HK$25,407
+HK$1,272/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$48,270/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$179,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,463
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,287
−HK$836/mo
Today · 4.125%
HK$28,123
baseline
▲ 0.50% · 4.625%
HK$29,834
+HK$1,711/mo
Deposit HK$645K · loan HK$5.80M · min. income ≈ HK$56,246/mo (50% DSR)
Upfront cash ≈ HK$824K (deposit + AVD stamp duty HK$179,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,440
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$30,230
−HK$801/mo
Today · 4.125%
HK$31,031
baseline
▲ 0.50% · 4.625%
HK$32,666
+HK$1,635/mo
Deposit HK$645K · loan HK$5.80M · min. income ≈ HK$62,062/mo (50% DSR)
Upfront cash ≈ HK$824K (deposit + AVD stamp duty HK$179,746 · 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).