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$14,643
−HK$918/mo
▼ 0.25% · 3.875%
HK$15,098
−HK$463/mo
Today · 4.125%
HK$15,561
baseline
▲ 0.50% · 4.625%
HK$16,508
+HK$947/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$31,122/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$177,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,290
−HK$880/mo
▼ 0.25% · 3.875%
HK$16,727
−HK$443/mo
Today · 4.125%
HK$17,170
baseline
▲ 0.50% · 4.625%
HK$18,075
+HK$905/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$34,340/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$177,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,571
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$18,118
−HK$555/mo
Today · 4.125%
HK$18,673
baseline
▲ 0.50% · 4.625%
HK$19,809
+HK$1,136/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$37,346/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$177,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,548
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$20,072
−HK$532/mo
Today · 4.125%
HK$20,604
baseline
▲ 0.50% · 4.625%
HK$21,690
+HK$1,086/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$41,208/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$177,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,500
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$21,137
−HK$648/mo
Today · 4.125%
HK$21,785
baseline
▲ 0.50% · 4.625%
HK$23,111
+HK$1,326/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$43,570/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$177,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,806
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$23,417
−HK$621/mo
Today · 4.125%
HK$24,038
baseline
▲ 0.50% · 4.625%
HK$25,305
+HK$1,267/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$48,076/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$177,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,357
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$27,177
−HK$832/mo
Today · 4.125%
HK$28,009
baseline
▲ 0.50% · 4.625%
HK$29,714
+HK$1,705/mo
Deposit HK$642K · loan HK$5.78M · min. income ≈ HK$56,018/mo (50% DSR)
Upfront cash ≈ HK$819K (deposit + AVD stamp duty HK$177,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,322
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$30,108
−HK$798/mo
Today · 4.125%
HK$30,906
baseline
▲ 0.50% · 4.625%
HK$32,535
+HK$1,629/mo
Deposit HK$642K · loan HK$5.78M · min. income ≈ HK$61,812/mo (50% DSR)
Upfront cash ≈ HK$819K (deposit + AVD stamp duty HK$177,147 · 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).