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$14,661
−HK$919/mo
▼ 0.25% · 3.875%
HK$15,117
−HK$463/mo
Today · 4.125%
HK$15,580
baseline
▲ 0.50% · 4.625%
HK$16,528
+HK$948/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$31,160/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$177,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,310
−HK$881/mo
▼ 0.25% · 3.875%
HK$16,747
−HK$444/mo
Today · 4.125%
HK$17,191
baseline
▲ 0.50% · 4.625%
HK$18,097
+HK$906/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$34,382/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$177,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,593
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$18,140
−HK$556/mo
Today · 4.125%
HK$18,696
baseline
▲ 0.50% · 4.625%
HK$19,834
+HK$1,138/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$37,392/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$177,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,572
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,097
−HK$532/mo
Today · 4.125%
HK$20,629
baseline
▲ 0.50% · 4.625%
HK$21,717
+HK$1,088/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$41,258/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$177,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,525
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$21,164
−HK$648/mo
Today · 4.125%
HK$21,812
baseline
▲ 0.50% · 4.625%
HK$23,139
+HK$1,327/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$43,624/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$177,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,834
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$23,446
−HK$622/mo
Today · 4.125%
HK$24,068
baseline
▲ 0.50% · 4.625%
HK$25,336
+HK$1,268/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$48,136/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$177,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,389
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$27,210
−HK$834/mo
Today · 4.125%
HK$28,044
baseline
▲ 0.50% · 4.625%
HK$29,751
+HK$1,707/mo
Deposit HK$643K · loan HK$5.79M · min. income ≈ HK$56,088/mo (50% DSR)
Upfront cash ≈ HK$821K (deposit + AVD stamp duty HK$177,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,358
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,145
−HK$799/mo
Today · 4.125%
HK$30,944
baseline
▲ 0.50% · 4.625%
HK$32,575
+HK$1,631/mo
Deposit HK$643K · loan HK$5.79M · min. income ≈ HK$61,888/mo (50% DSR)
Upfront cash ≈ HK$821K (deposit + AVD stamp duty HK$177,946 · 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).