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$14,704
−HK$922/mo
▼ 0.25% · 3.875%
HK$15,161
−HK$465/mo
Today · 4.125%
HK$15,626
baseline
▲ 0.50% · 4.625%
HK$16,577
+HK$951/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$31,252/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$179,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,358
−HK$884/mo
▼ 0.25% · 3.875%
HK$16,797
−HK$445/mo
Today · 4.125%
HK$17,242
baseline
▲ 0.50% · 4.625%
HK$18,151
+HK$909/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$34,484/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$179,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,645
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$18,194
−HK$557/mo
Today · 4.125%
HK$18,751
baseline
▲ 0.50% · 4.625%
HK$19,892
+HK$1,141/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$37,502/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$179,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,630
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,156
−HK$534/mo
Today · 4.125%
HK$20,690
baseline
▲ 0.50% · 4.625%
HK$21,781
+HK$1,091/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$41,380/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$179,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,586
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$21,226
−HK$651/mo
Today · 4.125%
HK$21,877
baseline
▲ 0.50% · 4.625%
HK$23,208
+HK$1,331/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$43,754/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$179,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,901
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$23,516
−HK$623/mo
Today · 4.125%
HK$24,139
baseline
▲ 0.50% · 4.625%
HK$25,411
+HK$1,272/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$48,278/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$179,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,467
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,291
−HK$836/mo
Today · 4.125%
HK$28,127
baseline
▲ 0.50% · 4.625%
HK$29,838
+HK$1,711/mo
Deposit HK$645K · loan HK$5.80M · min. income ≈ HK$56,254/mo (50% DSR)
Upfront cash ≈ HK$825K (deposit + AVD stamp duty HK$179,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,445
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$30,234
−HK$801/mo
Today · 4.125%
HK$31,035
baseline
▲ 0.50% · 4.625%
HK$32,671
+HK$1,636/mo
Deposit HK$645K · loan HK$5.80M · min. income ≈ HK$62,070/mo (50% DSR)
Upfront cash ≈ HK$825K (deposit + AVD stamp duty HK$179,842 · 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).