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$14,635
−HK$918/mo
▼ 0.25% · 3.875%
HK$15,091
−HK$462/mo
Today · 4.125%
HK$15,553
baseline
▲ 0.50% · 4.625%
HK$16,500
+HK$947/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$31,106/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$176,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,282
−HK$879/mo
▼ 0.25% · 3.875%
HK$16,718
−HK$443/mo
Today · 4.125%
HK$17,161
baseline
▲ 0.50% · 4.625%
HK$18,066
+HK$905/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$34,322/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$176,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,563
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$18,109
−HK$555/mo
Today · 4.125%
HK$18,664
baseline
▲ 0.50% · 4.625%
HK$19,800
+HK$1,136/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$37,328/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$176,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,538
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$20,062
−HK$532/mo
Today · 4.125%
HK$20,594
baseline
▲ 0.50% · 4.625%
HK$21,679
+HK$1,085/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$41,188/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$176,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,490
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$21,127
−HK$648/mo
Today · 4.125%
HK$21,775
baseline
▲ 0.50% · 4.625%
HK$23,099
+HK$1,324/mo
Deposit HK$1.93M · loan HK$4.49M · min. income ≈ HK$43,550/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$176,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,795
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,406
−HK$620/mo
Today · 4.125%
HK$24,026
baseline
▲ 0.50% · 4.625%
HK$25,292
+HK$1,266/mo
Deposit HK$1.93M · loan HK$4.49M · min. income ≈ HK$48,052/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$176,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,344
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$27,163
−HK$833/mo
Today · 4.125%
HK$27,996
baseline
▲ 0.50% · 4.625%
HK$29,699
+HK$1,703/mo
Deposit HK$642K · loan HK$5.78M · min. income ≈ HK$55,992/mo (50% DSR)
Upfront cash ≈ HK$819K (deposit + AVD stamp duty HK$176,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,307
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$30,093
−HK$798/mo
Today · 4.125%
HK$30,891
baseline
▲ 0.50% · 4.625%
HK$32,519
+HK$1,628/mo
Deposit HK$642K · loan HK$5.78M · min. income ≈ HK$61,782/mo (50% DSR)
Upfront cash ≈ HK$819K (deposit + AVD stamp duty HK$176,834 · 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).