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$14,664
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,120
−HK$464/mo
Today · 4.125%
HK$15,584
baseline
▲ 0.50% · 4.625%
HK$16,532
+HK$948/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$31,168/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$178,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,314
−HK$881/mo
▼ 0.25% · 3.875%
HK$16,751
−HK$444/mo
Today · 4.125%
HK$17,195
baseline
▲ 0.50% · 4.625%
HK$18,101
+HK$906/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$34,390/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$178,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,597
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$18,144
−HK$556/mo
Today · 4.125%
HK$18,700
baseline
▲ 0.50% · 4.625%
HK$19,838
+HK$1,138/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$37,400/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$178,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,576
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$20,101
−HK$533/mo
Today · 4.125%
HK$20,634
baseline
▲ 0.50% · 4.625%
HK$21,722
+HK$1,088/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$41,268/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$178,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,530
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$21,168
−HK$649/mo
Today · 4.125%
HK$21,817
baseline
▲ 0.50% · 4.625%
HK$23,145
+HK$1,328/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$43,634/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$178,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,839
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$23,452
−HK$621/mo
Today · 4.125%
HK$24,073
baseline
▲ 0.50% · 4.625%
HK$25,342
+HK$1,269/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$48,146/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$178,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,395
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$27,216
−HK$835/mo
Today · 4.125%
HK$28,051
baseline
▲ 0.50% · 4.625%
HK$29,757
+HK$1,706/mo
Deposit HK$643K · loan HK$5.79M · min. income ≈ HK$56,102/mo (50% DSR)
Upfront cash ≈ HK$821K (deposit + AVD stamp duty HK$178,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,365
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,152
−HK$799/mo
Today · 4.125%
HK$30,951
baseline
▲ 0.50% · 4.625%
HK$32,582
+HK$1,631/mo
Deposit HK$643K · loan HK$5.79M · min. income ≈ HK$61,902/mo (50% DSR)
Upfront cash ≈ HK$821K (deposit + AVD stamp duty HK$178,088 · 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).