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$14,685
−HK$921/mo
▼ 0.25% · 3.875%
HK$15,142
−HK$464/mo
Today · 4.125%
HK$15,606
baseline
▲ 0.50% · 4.625%
HK$16,555
+HK$949/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$31,212/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$179,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,337
−HK$883/mo
▼ 0.25% · 3.875%
HK$16,775
−HK$445/mo
Today · 4.125%
HK$17,220
baseline
▲ 0.50% · 4.625%
HK$18,127
+HK$907/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$34,440/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$179,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,622
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$18,170
−HK$557/mo
Today · 4.125%
HK$18,727
baseline
▲ 0.50% · 4.625%
HK$19,867
+HK$1,140/mo
Deposit HK$2.58M · loan HK$3.86M · min. income ≈ HK$37,454/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$179,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,604
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$20,130
−HK$533/mo
Today · 4.125%
HK$20,663
baseline
▲ 0.50% · 4.625%
HK$21,753
+HK$1,090/mo
Deposit HK$2.58M · loan HK$3.86M · min. income ≈ HK$41,326/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$179,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,559
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$21,199
−HK$649/mo
Today · 4.125%
HK$21,848
baseline
▲ 0.50% · 4.625%
HK$23,178
+HK$1,330/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$43,696/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$179,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,872
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$23,485
−HK$622/mo
Today · 4.125%
HK$24,107
baseline
▲ 0.50% · 4.625%
HK$25,378
+HK$1,271/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$48,214/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$179,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,433
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$27,255
−HK$836/mo
Today · 4.125%
HK$28,091
baseline
▲ 0.50% · 4.625%
HK$29,800
+HK$1,709/mo
Deposit HK$644K · loan HK$5.80M · min. income ≈ HK$56,182/mo (50% DSR)
Upfront cash ≈ HK$823K (deposit + AVD stamp duty HK$179,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,406
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$30,195
−HK$800/mo
Today · 4.125%
HK$30,995
baseline
▲ 0.50% · 4.625%
HK$32,629
+HK$1,634/mo
Deposit HK$644K · loan HK$5.80M · min. income ≈ HK$61,990/mo (50% DSR)
Upfront cash ≈ HK$823K (deposit + AVD stamp duty HK$179,008 · 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).