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$14,687
−HK$921/mo
▼ 0.25% · 3.875%
HK$15,143
−HK$465/mo
Today · 4.125%
HK$15,608
baseline
▲ 0.50% · 4.625%
HK$16,557
+HK$949/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$31,216/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$179,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,339
−HK$882/mo
▼ 0.25% · 3.875%
HK$16,777
−HK$444/mo
Today · 4.125%
HK$17,221
baseline
▲ 0.50% · 4.625%
HK$18,129
+HK$908/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$34,442/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$179,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,624
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$18,172
−HK$557/mo
Today · 4.125%
HK$18,729
baseline
▲ 0.50% · 4.625%
HK$19,869
+HK$1,140/mo
Deposit HK$2.58M · loan HK$3.86M · min. income ≈ HK$37,458/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$179,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,606
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,132
−HK$534/mo
Today · 4.125%
HK$20,666
baseline
▲ 0.50% · 4.625%
HK$21,755
+HK$1,089/mo
Deposit HK$2.58M · loan HK$3.86M · min. income ≈ HK$41,332/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$179,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,561
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$21,201
−HK$650/mo
Today · 4.125%
HK$21,851
baseline
▲ 0.50% · 4.625%
HK$23,180
+HK$1,329/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$43,702/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$179,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,874
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,488
−HK$622/mo
Today · 4.125%
HK$24,110
baseline
▲ 0.50% · 4.625%
HK$25,381
+HK$1,271/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$48,220/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$179,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,436
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$27,258
−HK$836/mo
Today · 4.125%
HK$28,094
baseline
▲ 0.50% · 4.625%
HK$29,803
+HK$1,709/mo
Deposit HK$644K · loan HK$5.80M · min. income ≈ HK$56,188/mo (50% DSR)
Upfront cash ≈ HK$823K (deposit + AVD stamp duty HK$179,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,410
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$30,198
−HK$800/mo
Today · 4.125%
HK$30,998
baseline
▲ 0.50% · 4.625%
HK$32,632
+HK$1,634/mo
Deposit HK$644K · loan HK$5.80M · min. income ≈ HK$61,996/mo (50% DSR)
Upfront cash ≈ HK$823K (deposit + AVD stamp duty HK$179,074 · 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).