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$14,658
−HK$919/mo
▼ 0.25% · 3.875%
HK$15,114
−HK$463/mo
Today · 4.125%
HK$15,577
baseline
▲ 0.50% · 4.625%
HK$16,525
+HK$948/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$31,154/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$177,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,306
−HK$881/mo
▼ 0.25% · 3.875%
HK$16,744
−HK$443/mo
Today · 4.125%
HK$17,187
baseline
▲ 0.50% · 4.625%
HK$18,093
+HK$906/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$34,374/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$177,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,589
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$18,136
−HK$556/mo
Today · 4.125%
HK$18,692
baseline
▲ 0.50% · 4.625%
HK$19,829
+HK$1,137/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$37,384/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$177,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,568
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,092
−HK$533/mo
Today · 4.125%
HK$20,625
baseline
▲ 0.50% · 4.625%
HK$21,712
+HK$1,087/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$41,250/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$177,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,521
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$21,159
−HK$648/mo
Today · 4.125%
HK$21,807
baseline
▲ 0.50% · 4.625%
HK$23,134
+HK$1,327/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$43,614/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$177,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,829
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$23,441
−HK$621/mo
Today · 4.125%
HK$24,062
baseline
▲ 0.50% · 4.625%
HK$25,331
+HK$1,269/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$48,124/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$177,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,384
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,204
−HK$834/mo
Today · 4.125%
HK$28,038
baseline
▲ 0.50% · 4.625%
HK$29,744
+HK$1,706/mo
Deposit HK$643K · loan HK$5.79M · min. income ≈ HK$56,076/mo (50% DSR)
Upfront cash ≈ HK$821K (deposit + AVD stamp duty HK$177,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,352
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$30,139
−HK$798/mo
Today · 4.125%
HK$30,937
baseline
▲ 0.50% · 4.625%
HK$32,568
+HK$1,631/mo
Deposit HK$643K · loan HK$5.79M · min. income ≈ HK$61,874/mo (50% DSR)
Upfront cash ≈ HK$821K (deposit + AVD stamp duty HK$177,804 · 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).