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$14,649
−HK$918/mo
▼ 0.25% · 3.875%
HK$15,105
−HK$462/mo
Today · 4.125%
HK$15,567
baseline
▲ 0.50% · 4.625%
HK$16,515
+HK$948/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$31,134/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$177,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,297
−HK$880/mo
▼ 0.25% · 3.875%
HK$16,734
−HK$443/mo
Today · 4.125%
HK$17,177
baseline
▲ 0.50% · 4.625%
HK$18,083
+HK$906/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$34,354/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$177,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,579
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$18,125
−HK$556/mo
Today · 4.125%
HK$18,681
baseline
▲ 0.50% · 4.625%
HK$19,818
+HK$1,137/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$37,362/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$177,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,556
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,081
−HK$532/mo
Today · 4.125%
HK$20,613
baseline
▲ 0.50% · 4.625%
HK$21,699
+HK$1,086/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$41,226/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$177,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,508
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$21,146
−HK$648/mo
Today · 4.125%
HK$21,794
baseline
▲ 0.50% · 4.625%
HK$23,121
+HK$1,327/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$43,588/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$177,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,815
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$23,427
−HK$621/mo
Today · 4.125%
HK$24,048
baseline
▲ 0.50% · 4.625%
HK$25,316
+HK$1,268/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$48,096/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$177,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,368
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$27,188
−HK$833/mo
Today · 4.125%
HK$28,021
baseline
▲ 0.50% · 4.625%
HK$29,726
+HK$1,705/mo
Deposit HK$642K · loan HK$5.78M · min. income ≈ HK$56,042/mo (50% DSR)
Upfront cash ≈ HK$820K (deposit + AVD stamp duty HK$177,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,334
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$30,121
−HK$798/mo
Today · 4.125%
HK$30,919
baseline
▲ 0.50% · 4.625%
HK$32,549
+HK$1,630/mo
Deposit HK$642K · loan HK$5.78M · min. income ≈ HK$61,838/mo (50% DSR)
Upfront cash ≈ HK$820K (deposit + AVD stamp duty HK$177,422 · 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).