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$14,684
−HK$921/mo
▼ 0.25% · 3.875%
HK$15,141
−HK$464/mo
Today · 4.125%
HK$15,605
baseline
▲ 0.50% · 4.625%
HK$16,555
+HK$950/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$31,210/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$178,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,336
−HK$883/mo
▼ 0.25% · 3.875%
HK$16,774
−HK$445/mo
Today · 4.125%
HK$17,219
baseline
▲ 0.50% · 4.625%
HK$18,126
+HK$907/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$34,438/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$178,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,621
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$18,169
−HK$557/mo
Today · 4.125%
HK$18,726
baseline
▲ 0.50% · 4.625%
HK$19,865
+HK$1,139/mo
Deposit HK$2.58M · loan HK$3.86M · min. income ≈ HK$37,452/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$178,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,603
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$20,129
−HK$533/mo
Today · 4.125%
HK$20,662
baseline
▲ 0.50% · 4.625%
HK$21,751
+HK$1,089/mo
Deposit HK$2.58M · loan HK$3.86M · min. income ≈ HK$41,324/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$178,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,558
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$21,197
−HK$650/mo
Today · 4.125%
HK$21,847
baseline
▲ 0.50% · 4.625%
HK$23,176
+HK$1,329/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$43,694/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$178,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,870
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,484
−HK$622/mo
Today · 4.125%
HK$24,106
baseline
▲ 0.50% · 4.625%
HK$25,377
+HK$1,271/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$48,212/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$178,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,432
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$27,254
−HK$835/mo
Today · 4.125%
HK$28,089
baseline
▲ 0.50% · 4.625%
HK$29,798
+HK$1,709/mo
Deposit HK$644K · loan HK$5.80M · min. income ≈ HK$56,178/mo (50% DSR)
Upfront cash ≈ HK$823K (deposit + AVD stamp duty HK$178,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,405
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$30,193
−HK$800/mo
Today · 4.125%
HK$30,993
baseline
▲ 0.50% · 4.625%
HK$32,627
+HK$1,634/mo
Deposit HK$644K · loan HK$5.80M · min. income ≈ HK$61,986/mo (50% DSR)
Upfront cash ≈ HK$823K (deposit + AVD stamp duty HK$178,971 · 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).