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$919/mo
▼ 0.25% · 3.875%
HK$15,105
−HK$463/mo
Today · 4.125%
HK$15,568
baseline
▲ 0.50% · 4.625%
HK$16,515
+HK$947/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$31,136/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$177,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,297
−HK$881/mo
▼ 0.25% · 3.875%
HK$16,734
−HK$444/mo
Today · 4.125%
HK$17,178
baseline
▲ 0.50% · 4.625%
HK$18,083
+HK$905/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$34,356/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$177,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,579
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$18,126
−HK$556/mo
Today · 4.125%
HK$18,682
baseline
▲ 0.50% · 4.625%
HK$19,818
+HK$1,136/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$37,364/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$177,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,557
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$20,081
−HK$532/mo
Today · 4.125%
HK$20,613
baseline
▲ 0.50% · 4.625%
HK$21,700
+HK$1,087/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$177,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,509
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$21,147
−HK$648/mo
Today · 4.125%
HK$21,795
baseline
▲ 0.50% · 4.625%
HK$23,122
+HK$1,327/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$43,590/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$177,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,816
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$23,428
−HK$621/mo
Today · 4.125%
HK$24,049
baseline
▲ 0.50% · 4.625%
HK$25,317
+HK$1,268/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$48,098/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$177,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,369
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,189
−HK$834/mo
Today · 4.125%
HK$28,023
baseline
▲ 0.50% · 4.625%
HK$29,728
+HK$1,705/mo
Deposit HK$642K · loan HK$5.78M · min. income ≈ HK$56,046/mo (50% DSR)
Upfront cash ≈ HK$820K (deposit + AVD stamp duty HK$177,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,335
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$30,122
−HK$798/mo
Today · 4.125%
HK$30,920
baseline
▲ 0.50% · 4.625%
HK$32,550
+HK$1,630/mo
Deposit HK$642K · loan HK$5.78M · min. income ≈ HK$61,840/mo (50% DSR)
Upfront cash ≈ HK$820K (deposit + AVD stamp duty HK$177,448 · 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).