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$14,690
−HK$921/mo
▼ 0.25% · 3.875%
HK$15,147
−HK$464/mo
Today · 4.125%
HK$15,611
baseline
▲ 0.50% · 4.625%
HK$16,561
+HK$950/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$31,222/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$179,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,342
−HK$883/mo
▼ 0.25% · 3.875%
HK$16,781
−HK$444/mo
Today · 4.125%
HK$17,225
baseline
▲ 0.50% · 4.625%
HK$18,133
+HK$908/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$34,450/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$179,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,628
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$18,176
−HK$557/mo
Today · 4.125%
HK$18,733
baseline
▲ 0.50% · 4.625%
HK$19,873
+HK$1,140/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$37,466/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$179,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,611
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$20,137
−HK$533/mo
Today · 4.125%
HK$20,670
baseline
▲ 0.50% · 4.625%
HK$21,760
+HK$1,090/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$41,340/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$179,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,566
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$21,205
−HK$650/mo
Today · 4.125%
HK$21,855
baseline
▲ 0.50% · 4.625%
HK$23,185
+HK$1,330/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$43,710/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$179,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,879
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,493
−HK$622/mo
Today · 4.125%
HK$24,115
baseline
▲ 0.50% · 4.625%
HK$25,386
+HK$1,271/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$48,230/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$179,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,442
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$27,264
−HK$836/mo
Today · 4.125%
HK$28,100
baseline
▲ 0.50% · 4.625%
HK$29,809
+HK$1,709/mo
Deposit HK$644K · loan HK$5.80M · min. income ≈ HK$56,200/mo (50% DSR)
Upfront cash ≈ HK$823K (deposit + AVD stamp duty HK$179,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,416
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$30,205
−HK$800/mo
Today · 4.125%
HK$31,005
baseline
▲ 0.50% · 4.625%
HK$32,640
+HK$1,635/mo
Deposit HK$644K · loan HK$5.80M · min. income ≈ HK$62,010/mo (50% DSR)
Upfront cash ≈ HK$823K (deposit + AVD stamp duty HK$179,216 · 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).