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$14,691
−HK$921/mo
▼ 0.25% · 3.875%
HK$15,148
−HK$464/mo
Today · 4.125%
HK$15,612
baseline
▲ 0.50% · 4.625%
HK$16,562
+HK$950/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$31,224/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$179,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,343
−HK$883/mo
▼ 0.25% · 3.875%
HK$16,782
−HK$444/mo
Today · 4.125%
HK$17,226
baseline
▲ 0.50% · 4.625%
HK$18,135
+HK$909/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$34,452/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$179,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,629
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$18,177
−HK$558/mo
Today · 4.125%
HK$18,735
baseline
▲ 0.50% · 4.625%
HK$19,875
+HK$1,140/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$37,470/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$179,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,612
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,138
−HK$534/mo
Today · 4.125%
HK$20,672
baseline
▲ 0.50% · 4.625%
HK$21,761
+HK$1,089/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$41,344/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$179,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,567
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$21,207
−HK$650/mo
Today · 4.125%
HK$21,857
baseline
▲ 0.50% · 4.625%
HK$23,187
+HK$1,330/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$43,714/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$179,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,881
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,495
−HK$622/mo
Today · 4.125%
HK$24,117
baseline
▲ 0.50% · 4.625%
HK$25,388
+HK$1,271/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$48,234/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$179,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,444
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$27,266
−HK$836/mo
Today · 4.125%
HK$28,102
baseline
▲ 0.50% · 4.625%
HK$29,812
+HK$1,710/mo
Deposit HK$644K · loan HK$5.80M · min. income ≈ HK$56,204/mo (50% DSR)
Upfront cash ≈ HK$824K (deposit + AVD stamp duty HK$179,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,418
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$30,207
−HK$801/mo
Today · 4.125%
HK$31,008
baseline
▲ 0.50% · 4.625%
HK$32,642
+HK$1,634/mo
Deposit HK$644K · loan HK$5.80M · min. income ≈ HK$62,016/mo (50% DSR)
Upfront cash ≈ HK$824K (deposit + AVD stamp duty HK$179,266 · 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).