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$14,652
−HK$919/mo
▼ 0.25% · 3.875%
HK$15,108
−HK$463/mo
Today · 4.125%
HK$15,571
baseline
▲ 0.50% · 4.625%
HK$16,518
+HK$947/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$31,142/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$177,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,300
−HK$881/mo
▼ 0.25% · 3.875%
HK$16,737
−HK$444/mo
Today · 4.125%
HK$17,181
baseline
▲ 0.50% · 4.625%
HK$18,086
+HK$905/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$34,362/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$177,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,582
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$18,129
−HK$556/mo
Today · 4.125%
HK$18,685
baseline
▲ 0.50% · 4.625%
HK$19,822
+HK$1,137/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$37,370/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$177,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,560
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,085
−HK$532/mo
Today · 4.125%
HK$20,617
baseline
▲ 0.50% · 4.625%
HK$21,704
+HK$1,087/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$41,234/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$177,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,513
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$21,151
−HK$648/mo
Today · 4.125%
HK$21,799
baseline
▲ 0.50% · 4.625%
HK$23,126
+HK$1,327/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$43,598/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$177,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,820
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$23,432
−HK$621/mo
Today · 4.125%
HK$24,053
baseline
▲ 0.50% · 4.625%
HK$25,321
+HK$1,268/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$48,106/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$177,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,374
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$27,194
−HK$833/mo
Today · 4.125%
HK$28,027
baseline
▲ 0.50% · 4.625%
HK$29,733
+HK$1,706/mo
Deposit HK$643K · loan HK$5.78M · min. income ≈ HK$56,054/mo (50% DSR)
Upfront cash ≈ HK$820K (deposit + AVD stamp duty HK$177,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,340
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,127
−HK$799/mo
Today · 4.125%
HK$30,926
baseline
▲ 0.50% · 4.625%
HK$32,556
+HK$1,630/mo
Deposit HK$643K · loan HK$5.78M · min. income ≈ HK$61,852/mo (50% DSR)
Upfront cash ≈ HK$820K (deposit + AVD stamp duty HK$177,560 · 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).