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$14,626
−HK$917/mo
▼ 0.25% · 3.875%
HK$15,081
−HK$462/mo
Today · 4.125%
HK$15,543
baseline
▲ 0.50% · 4.625%
HK$16,489
+HK$946/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$176,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,272
−HK$879/mo
▼ 0.25% · 3.875%
HK$16,708
−HK$443/mo
Today · 4.125%
HK$17,151
baseline
▲ 0.50% · 4.625%
HK$18,055
+HK$904/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$34,302/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$176,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,552
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$18,098
−HK$554/mo
Today · 4.125%
HK$18,652
baseline
▲ 0.50% · 4.625%
HK$19,787
+HK$1,135/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$37,304/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$176,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,526
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$20,050
−HK$531/mo
Today · 4.125%
HK$20,581
baseline
▲ 0.50% · 4.625%
HK$21,666
+HK$1,085/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$41,162/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$176,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,477
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,114
−HK$647/mo
Today · 4.125%
HK$21,761
baseline
▲ 0.50% · 4.625%
HK$23,085
+HK$1,324/mo
Deposit HK$1.92M · loan HK$4.49M · min. income ≈ HK$43,522/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$176,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,780
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,391
−HK$620/mo
Today · 4.125%
HK$24,011
baseline
▲ 0.50% · 4.625%
HK$25,277
+HK$1,266/mo
Deposit HK$1.92M · loan HK$4.49M · min. income ≈ HK$48,022/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$176,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,327
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$27,146
−HK$832/mo
Today · 4.125%
HK$27,978
baseline
▲ 0.50% · 4.625%
HK$29,681
+HK$1,703/mo
Deposit HK$641K · loan HK$5.77M · min. income ≈ HK$55,956/mo (50% DSR)
Upfront cash ≈ HK$818K (deposit + AVD stamp duty HK$176,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,289
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$30,074
−HK$797/mo
Today · 4.125%
HK$30,871
baseline
▲ 0.50% · 4.625%
HK$32,499
+HK$1,628/mo
Deposit HK$641K · loan HK$5.77M · min. income ≈ HK$61,742/mo (50% DSR)
Upfront cash ≈ HK$818K (deposit + AVD stamp duty HK$176,432 · 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).