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$14,703
−HK$922/mo
▼ 0.25% · 3.875%
HK$15,160
−HK$465/mo
Today · 4.125%
HK$15,625
baseline
▲ 0.50% · 4.625%
HK$16,575
+HK$950/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$31,250/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$179,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,357
−HK$883/mo
▼ 0.25% · 3.875%
HK$16,795
−HK$445/mo
Today · 4.125%
HK$17,240
baseline
▲ 0.50% · 4.625%
HK$18,149
+HK$909/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$34,480/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$179,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,643
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$18,192
−HK$558/mo
Today · 4.125%
HK$18,750
baseline
▲ 0.50% · 4.625%
HK$19,891
+HK$1,141/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$37,500/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$179,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,628
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,154
−HK$534/mo
Today · 4.125%
HK$20,688
baseline
▲ 0.50% · 4.625%
HK$21,779
+HK$1,091/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$41,376/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$179,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,584
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$21,224
−HK$651/mo
Today · 4.125%
HK$21,875
baseline
▲ 0.50% · 4.625%
HK$23,206
+HK$1,331/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$43,750/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$179,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,899
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$23,513
−HK$623/mo
Today · 4.125%
HK$24,136
baseline
▲ 0.50% · 4.625%
HK$25,409
+HK$1,273/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$48,272/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$179,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,465
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$27,288
−HK$836/mo
Today · 4.125%
HK$28,124
baseline
▲ 0.50% · 4.625%
HK$29,836
+HK$1,712/mo
Deposit HK$645K · loan HK$5.80M · min. income ≈ HK$56,248/mo (50% DSR)
Upfront cash ≈ HK$825K (deposit + AVD stamp duty HK$179,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,442
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$30,232
−HK$801/mo
Today · 4.125%
HK$31,033
baseline
▲ 0.50% · 4.625%
HK$32,668
+HK$1,635/mo
Deposit HK$645K · loan HK$5.80M · min. income ≈ HK$62,066/mo (50% DSR)
Upfront cash ≈ HK$825K (deposit + AVD stamp duty HK$179,784 · 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).