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$14,692
−HK$922/mo
▼ 0.25% · 3.875%
HK$15,149
−HK$465/mo
Today · 4.125%
HK$15,614
baseline
▲ 0.50% · 4.625%
HK$16,564
+HK$950/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$31,228/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$179,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,345
−HK$883/mo
▼ 0.25% · 3.875%
HK$16,783
−HK$445/mo
Today · 4.125%
HK$17,228
baseline
▲ 0.50% · 4.625%
HK$18,136
+HK$908/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$34,456/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$179,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,631
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$18,179
−HK$557/mo
Today · 4.125%
HK$18,736
baseline
▲ 0.50% · 4.625%
HK$19,876
+HK$1,140/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$37,472/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$179,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,614
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,140
−HK$534/mo
Today · 4.125%
HK$20,674
baseline
▲ 0.50% · 4.625%
HK$21,763
+HK$1,089/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$41,348/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$179,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,569
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$21,209
−HK$650/mo
Today · 4.125%
HK$21,859
baseline
▲ 0.50% · 4.625%
HK$23,189
+HK$1,330/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$43,718/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$179,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,883
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,497
−HK$622/mo
Today · 4.125%
HK$24,119
baseline
▲ 0.50% · 4.625%
HK$25,391
+HK$1,272/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$48,238/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$179,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,446
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$27,269
−HK$836/mo
Today · 4.125%
HK$28,105
baseline
▲ 0.50% · 4.625%
HK$29,815
+HK$1,710/mo
Deposit HK$644K · loan HK$5.80M · min. income ≈ HK$56,210/mo (50% DSR)
Upfront cash ≈ HK$824K (deposit + AVD stamp duty HK$179,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,421
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$30,210
−HK$801/mo
Today · 4.125%
HK$31,011
baseline
▲ 0.50% · 4.625%
HK$32,645
+HK$1,634/mo
Deposit HK$644K · loan HK$5.80M · min. income ≈ HK$62,022/mo (50% DSR)
Upfront cash ≈ HK$824K (deposit + AVD stamp duty HK$179,328 · 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).