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$14,656
−HK$919/mo
▼ 0.25% · 3.875%
HK$15,112
−HK$463/mo
Today · 4.125%
HK$15,575
baseline
▲ 0.50% · 4.625%
HK$16,523
+HK$948/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$31,150/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$177,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,305
−HK$881/mo
▼ 0.25% · 3.875%
HK$16,742
−HK$444/mo
Today · 4.125%
HK$17,186
baseline
▲ 0.50% · 4.625%
HK$18,092
+HK$906/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$34,372/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$177,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,587
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$18,134
−HK$556/mo
Today · 4.125%
HK$18,690
baseline
▲ 0.50% · 4.625%
HK$19,827
+HK$1,137/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$37,380/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$177,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,566
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,090
−HK$533/mo
Today · 4.125%
HK$20,623
baseline
▲ 0.50% · 4.625%
HK$21,710
+HK$1,087/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$41,246/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$177,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,519
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$21,157
−HK$648/mo
Today · 4.125%
HK$21,805
baseline
▲ 0.50% · 4.625%
HK$23,132
+HK$1,327/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$43,610/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$177,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,827
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$23,439
−HK$621/mo
Today · 4.125%
HK$24,060
baseline
▲ 0.50% · 4.625%
HK$25,328
+HK$1,268/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$48,120/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$177,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,381
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,202
−HK$833/mo
Today · 4.125%
HK$28,035
baseline
▲ 0.50% · 4.625%
HK$29,741
+HK$1,706/mo
Deposit HK$643K · loan HK$5.78M · min. income ≈ HK$56,070/mo (50% DSR)
Upfront cash ≈ HK$820K (deposit + AVD stamp duty HK$177,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,349
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$30,136
−HK$798/mo
Today · 4.125%
HK$30,934
baseline
▲ 0.50% · 4.625%
HK$32,565
+HK$1,631/mo
Deposit HK$643K · loan HK$5.78M · min. income ≈ HK$61,868/mo (50% DSR)
Upfront cash ≈ HK$820K (deposit + AVD stamp duty HK$177,739 · 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).