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$14,673
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,130
−HK$463/mo
Today · 4.125%
HK$15,593
baseline
▲ 0.50% · 4.625%
HK$16,542
+HK$949/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$31,186/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$178,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,324
−HK$882/mo
▼ 0.25% · 3.875%
HK$16,761
−HK$445/mo
Today · 4.125%
HK$17,206
baseline
▲ 0.50% · 4.625%
HK$18,113
+HK$907/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$34,412/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$178,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,608
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$18,155
−HK$557/mo
Today · 4.125%
HK$18,712
baseline
▲ 0.50% · 4.625%
HK$19,850
+HK$1,138/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$37,424/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$178,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,588
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$20,114
−HK$533/mo
Today · 4.125%
HK$20,647
baseline
▲ 0.50% · 4.625%
HK$21,735
+HK$1,088/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$41,294/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$178,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,542
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$21,181
−HK$650/mo
Today · 4.125%
HK$21,831
baseline
▲ 0.50% · 4.625%
HK$23,159
+HK$1,328/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$43,662/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$178,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,853
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$23,466
−HK$622/mo
Today · 4.125%
HK$24,088
baseline
▲ 0.50% · 4.625%
HK$25,358
+HK$1,270/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$48,176/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$178,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,412
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$27,233
−HK$835/mo
Today · 4.125%
HK$28,068
baseline
▲ 0.50% · 4.625%
HK$29,776
+HK$1,708/mo
Deposit HK$643K · loan HK$5.79M · min. income ≈ HK$56,136/mo (50% DSR)
Upfront cash ≈ HK$822K (deposit + AVD stamp duty HK$178,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,383
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$30,171
−HK$799/mo
Today · 4.125%
HK$30,970
baseline
▲ 0.50% · 4.625%
HK$32,603
+HK$1,633/mo
Deposit HK$643K · loan HK$5.79M · min. income ≈ HK$61,940/mo (50% DSR)
Upfront cash ≈ HK$822K (deposit + AVD stamp duty HK$178,485 · 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).