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$14,625
−HK$918/mo
▼ 0.25% · 3.875%
HK$15,080
−HK$463/mo
Today · 4.125%
HK$15,543
baseline
▲ 0.50% · 4.625%
HK$16,488
+HK$945/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$31,086/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$176,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,271
−HK$879/mo
▼ 0.25% · 3.875%
HK$16,707
−HK$443/mo
Today · 4.125%
HK$17,150
baseline
▲ 0.50% · 4.625%
HK$18,054
+HK$904/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$34,300/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$176,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,551
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$18,096
−HK$555/mo
Today · 4.125%
HK$18,651
baseline
▲ 0.50% · 4.625%
HK$19,786
+HK$1,135/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$37,302/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$176,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,525
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$20,048
−HK$532/mo
Today · 4.125%
HK$20,580
baseline
▲ 0.50% · 4.625%
HK$21,664
+HK$1,084/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$41,160/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$176,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,476
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,113
−HK$647/mo
Today · 4.125%
HK$21,760
baseline
▲ 0.50% · 4.625%
HK$23,084
+HK$1,324/mo
Deposit HK$1.92M · loan HK$4.49M · min. income ≈ HK$43,520/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$176,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,779
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,390
−HK$620/mo
Today · 4.125%
HK$24,010
baseline
▲ 0.50% · 4.625%
HK$25,275
+HK$1,265/mo
Deposit HK$1.92M · loan HK$4.49M · min. income ≈ HK$48,020/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$176,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,326
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$27,145
−HK$832/mo
Today · 4.125%
HK$27,977
baseline
▲ 0.50% · 4.625%
HK$29,679
+HK$1,702/mo
Deposit HK$641K · loan HK$5.77M · min. income ≈ HK$55,954/mo (50% DSR)
Upfront cash ≈ HK$818K (deposit + AVD stamp duty HK$176,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,287
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$30,073
−HK$797/mo
Today · 4.125%
HK$30,870
baseline
▲ 0.50% · 4.625%
HK$32,497
+HK$1,627/mo
Deposit HK$641K · loan HK$5.77M · min. income ≈ HK$61,740/mo (50% DSR)
Upfront cash ≈ HK$818K (deposit + AVD stamp duty HK$176,396 · 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).