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$14,639
−HK$918/mo
▼ 0.25% · 3.875%
HK$15,094
−HK$463/mo
Today · 4.125%
HK$15,557
baseline
▲ 0.50% · 4.625%
HK$16,504
+HK$947/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$31,114/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$176,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,286
−HK$880/mo
▼ 0.25% · 3.875%
HK$16,723
−HK$443/mo
Today · 4.125%
HK$17,166
baseline
▲ 0.50% · 4.625%
HK$18,071
+HK$905/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$34,332/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$176,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,567
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$18,113
−HK$556/mo
Today · 4.125%
HK$18,669
baseline
▲ 0.50% · 4.625%
HK$19,804
+HK$1,135/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$37,338/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$176,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,543
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$20,067
−HK$532/mo
Today · 4.125%
HK$20,599
baseline
▲ 0.50% · 4.625%
HK$21,685
+HK$1,086/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$41,198/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$176,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,495
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$21,132
−HK$648/mo
Today · 4.125%
HK$21,780
baseline
▲ 0.50% · 4.625%
HK$23,105
+HK$1,325/mo
Deposit HK$1.93M · loan HK$4.49M · min. income ≈ HK$43,560/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$176,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,800
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$23,412
−HK$620/mo
Today · 4.125%
HK$24,032
baseline
▲ 0.50% · 4.625%
HK$25,299
+HK$1,267/mo
Deposit HK$1.93M · loan HK$4.49M · min. income ≈ HK$48,064/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$176,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,350
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$27,170
−HK$833/mo
Today · 4.125%
HK$28,003
baseline
▲ 0.50% · 4.625%
HK$29,707
+HK$1,704/mo
Deposit HK$642K · loan HK$5.78M · min. income ≈ HK$56,006/mo (50% DSR)
Upfront cash ≈ HK$819K (deposit + AVD stamp duty HK$176,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,315
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$30,101
−HK$797/mo
Today · 4.125%
HK$30,898
baseline
▲ 0.50% · 4.625%
HK$32,527
+HK$1,629/mo
Deposit HK$642K · loan HK$5.78M · min. income ≈ HK$61,796/mo (50% DSR)
Upfront cash ≈ HK$819K (deposit + AVD stamp duty HK$176,995 · 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).