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$14,696
−HK$922/mo
▼ 0.25% · 3.875%
HK$15,153
−HK$465/mo
Today · 4.125%
HK$15,618
baseline
▲ 0.50% · 4.625%
HK$16,568
+HK$950/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$31,236/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$179,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,349
−HK$884/mo
▼ 0.25% · 3.875%
HK$16,788
−HK$445/mo
Today · 4.125%
HK$17,233
baseline
▲ 0.50% · 4.625%
HK$18,141
+HK$908/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$34,466/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$179,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,636
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$18,184
−HK$557/mo
Today · 4.125%
HK$18,741
baseline
▲ 0.50% · 4.625%
HK$19,882
+HK$1,141/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$37,482/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$179,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,619
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,146
−HK$533/mo
Today · 4.125%
HK$20,679
baseline
▲ 0.50% · 4.625%
HK$21,769
+HK$1,090/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$41,358/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$179,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,575
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$21,215
−HK$650/mo
Today · 4.125%
HK$21,865
baseline
▲ 0.50% · 4.625%
HK$23,195
+HK$1,330/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$43,730/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$179,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,889
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$23,503
−HK$623/mo
Today · 4.125%
HK$24,126
baseline
▲ 0.50% · 4.625%
HK$25,398
+HK$1,272/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$48,252/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$179,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,453
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$27,276
−HK$836/mo
Today · 4.125%
HK$28,112
baseline
▲ 0.50% · 4.625%
HK$29,823
+HK$1,711/mo
Deposit HK$645K · loan HK$5.80M · min. income ≈ HK$56,224/mo (50% DSR)
Upfront cash ≈ HK$824K (deposit + AVD stamp duty HK$179,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,429
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$30,218
−HK$801/mo
Today · 4.125%
HK$31,019
baseline
▲ 0.50% · 4.625%
HK$32,654
+HK$1,635/mo
Deposit HK$645K · loan HK$5.80M · min. income ≈ HK$62,038/mo (50% DSR)
Upfront cash ≈ HK$824K (deposit + AVD stamp duty HK$179,502 · 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).