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$14,672
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,128
−HK$464/mo
Today · 4.125%
HK$15,592
baseline
▲ 0.50% · 4.625%
HK$16,541
+HK$949/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$31,184/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$178,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,323
−HK$881/mo
▼ 0.25% · 3.875%
HK$16,760
−HK$444/mo
Today · 4.125%
HK$17,204
baseline
▲ 0.50% · 4.625%
HK$18,111
+HK$907/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$34,408/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$178,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,607
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$18,154
−HK$557/mo
Today · 4.125%
HK$18,711
baseline
▲ 0.50% · 4.625%
HK$19,849
+HK$1,138/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$37,422/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$178,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,587
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$20,112
−HK$533/mo
Today · 4.125%
HK$20,645
baseline
▲ 0.50% · 4.625%
HK$21,734
+HK$1,089/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$41,290/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$178,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,541
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$21,180
−HK$649/mo
Today · 4.125%
HK$21,829
baseline
▲ 0.50% · 4.625%
HK$23,157
+HK$1,328/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$43,658/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$178,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,852
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$23,464
−HK$622/mo
Today · 4.125%
HK$24,086
baseline
▲ 0.50% · 4.625%
HK$25,356
+HK$1,270/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$48,172/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$178,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,410
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$27,231
−HK$835/mo
Today · 4.125%
HK$28,066
baseline
▲ 0.50% · 4.625%
HK$29,774
+HK$1,708/mo
Deposit HK$643K · loan HK$5.79M · min. income ≈ HK$56,132/mo (50% DSR)
Upfront cash ≈ HK$822K (deposit + AVD stamp duty HK$178,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,381
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$30,169
−HK$799/mo
Today · 4.125%
HK$30,968
baseline
▲ 0.50% · 4.625%
HK$32,600
+HK$1,632/mo
Deposit HK$643K · loan HK$5.79M · min. income ≈ HK$61,936/mo (50% DSR)
Upfront cash ≈ HK$822K (deposit + AVD stamp duty HK$178,442 · 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).