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$14,688
−HK$921/mo
▼ 0.25% · 3.875%
HK$15,145
−HK$464/mo
Today · 4.125%
HK$15,609
baseline
▲ 0.50% · 4.625%
HK$16,559
+HK$950/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$31,218/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$179,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,340
−HK$883/mo
▼ 0.25% · 3.875%
HK$16,778
−HK$445/mo
Today · 4.125%
HK$17,223
baseline
▲ 0.50% · 4.625%
HK$18,131
+HK$908/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$34,446/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$179,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,626
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$18,174
−HK$557/mo
Today · 4.125%
HK$18,731
baseline
▲ 0.50% · 4.625%
HK$19,871
+HK$1,140/mo
Deposit HK$2.58M · loan HK$3.86M · min. income ≈ HK$37,462/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$179,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,608
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,134
−HK$534/mo
Today · 4.125%
HK$20,668
baseline
▲ 0.50% · 4.625%
HK$21,757
+HK$1,089/mo
Deposit HK$2.58M · loan HK$3.86M · min. income ≈ HK$41,336/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$179,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,563
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$21,203
−HK$650/mo
Today · 4.125%
HK$21,853
baseline
▲ 0.50% · 4.625%
HK$23,182
+HK$1,329/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$43,706/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$179,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,876
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,490
−HK$622/mo
Today · 4.125%
HK$24,112
baseline
▲ 0.50% · 4.625%
HK$25,383
+HK$1,271/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$48,224/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$179,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,438
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$27,261
−HK$835/mo
Today · 4.125%
HK$28,096
baseline
▲ 0.50% · 4.625%
HK$29,806
+HK$1,710/mo
Deposit HK$644K · loan HK$5.80M · min. income ≈ HK$56,192/mo (50% DSR)
Upfront cash ≈ HK$823K (deposit + AVD stamp duty HK$179,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,412
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$30,201
−HK$800/mo
Today · 4.125%
HK$31,001
baseline
▲ 0.50% · 4.625%
HK$32,636
+HK$1,635/mo
Deposit HK$644K · loan HK$5.80M · min. income ≈ HK$62,002/mo (50% DSR)
Upfront cash ≈ HK$823K (deposit + AVD stamp duty HK$179,137 · 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).