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$14,684
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,140
−HK$464/mo
Today · 4.125%
HK$15,604
baseline
▲ 0.50% · 4.625%
HK$16,554
+HK$950/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$31,208/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$178,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,335
−HK$883/mo
▼ 0.25% · 3.875%
HK$16,773
−HK$445/mo
Today · 4.125%
HK$17,218
baseline
▲ 0.50% · 4.625%
HK$18,125
+HK$907/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$34,436/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$178,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,620
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$18,168
−HK$557/mo
Today · 4.125%
HK$18,725
baseline
▲ 0.50% · 4.625%
HK$19,865
+HK$1,140/mo
Deposit HK$2.58M · loan HK$3.86M · min. income ≈ HK$37,450/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$178,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,602
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$20,128
−HK$533/mo
Today · 4.125%
HK$20,661
baseline
▲ 0.50% · 4.625%
HK$21,750
+HK$1,089/mo
Deposit HK$2.58M · loan HK$3.86M · min. income ≈ HK$41,322/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$178,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,557
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$21,196
−HK$650/mo
Today · 4.125%
HK$21,846
baseline
▲ 0.50% · 4.625%
HK$23,175
+HK$1,329/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$43,692/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$178,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,869
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,483
−HK$622/mo
Today · 4.125%
HK$24,105
baseline
▲ 0.50% · 4.625%
HK$25,376
+HK$1,271/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$48,210/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$178,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,430
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$27,252
−HK$836/mo
Today · 4.125%
HK$28,088
baseline
▲ 0.50% · 4.625%
HK$29,797
+HK$1,709/mo
Deposit HK$644K · loan HK$5.80M · min. income ≈ HK$56,176/mo (50% DSR)
Upfront cash ≈ HK$823K (deposit + AVD stamp duty HK$178,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,403
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$30,192
−HK$800/mo
Today · 4.125%
HK$30,992
baseline
▲ 0.50% · 4.625%
HK$32,626
+HK$1,634/mo
Deposit HK$644K · loan HK$5.80M · min. income ≈ HK$61,984/mo (50% DSR)
Upfront cash ≈ HK$823K (deposit + AVD stamp duty HK$178,942 · 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).