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$14,665
−HK$919/mo
▼ 0.25% · 3.875%
HK$15,121
−HK$463/mo
Today · 4.125%
HK$15,584
baseline
▲ 0.50% · 4.625%
HK$16,533
+HK$949/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$178,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,314
−HK$882/mo
▼ 0.25% · 3.875%
HK$16,752
−HK$444/mo
Today · 4.125%
HK$17,196
baseline
▲ 0.50% · 4.625%
HK$18,102
+HK$906/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$34,392/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$178,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,598
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$18,145
−HK$556/mo
Today · 4.125%
HK$18,701
baseline
▲ 0.50% · 4.625%
HK$19,839
+HK$1,138/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$37,402/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$178,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,577
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$20,102
−HK$533/mo
Today · 4.125%
HK$20,635
baseline
▲ 0.50% · 4.625%
HK$21,723
+HK$1,088/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$41,270/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$178,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,531
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$21,169
−HK$649/mo
Today · 4.125%
HK$21,818
baseline
▲ 0.50% · 4.625%
HK$23,146
+HK$1,328/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$43,636/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$178,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,840
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$23,453
−HK$621/mo
Today · 4.125%
HK$24,074
baseline
▲ 0.50% · 4.625%
HK$25,343
+HK$1,269/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$48,148/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$178,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,396
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$27,217
−HK$835/mo
Today · 4.125%
HK$28,052
baseline
▲ 0.50% · 4.625%
HK$29,759
+HK$1,707/mo
Deposit HK$643K · loan HK$5.79M · min. income ≈ HK$56,104/mo (50% DSR)
Upfront cash ≈ HK$821K (deposit + AVD stamp duty HK$178,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,366
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,153
−HK$799/mo
Today · 4.125%
HK$30,952
baseline
▲ 0.50% · 4.625%
HK$32,584
+HK$1,632/mo
Deposit HK$643K · loan HK$5.79M · min. income ≈ HK$61,904/mo (50% DSR)
Upfront cash ≈ HK$821K (deposit + AVD stamp duty HK$178,115 · 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).