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$14,675
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,131
−HK$464/mo
Today · 4.125%
HK$15,595
baseline
▲ 0.50% · 4.625%
HK$16,544
+HK$949/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$31,190/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$178,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,326
−HK$882/mo
▼ 0.25% · 3.875%
HK$16,764
−HK$444/mo
Today · 4.125%
HK$17,208
baseline
▲ 0.50% · 4.625%
HK$18,115
+HK$907/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$34,416/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$178,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,610
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$18,158
−HK$556/mo
Today · 4.125%
HK$18,714
baseline
▲ 0.50% · 4.625%
HK$19,853
+HK$1,139/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$37,428/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$178,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,591
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$20,116
−HK$533/mo
Today · 4.125%
HK$20,649
baseline
▲ 0.50% · 4.625%
HK$21,738
+HK$1,089/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$41,298/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$178,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,545
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$21,184
−HK$649/mo
Today · 4.125%
HK$21,833
baseline
▲ 0.50% · 4.625%
HK$23,162
+HK$1,329/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$43,666/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$178,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,856
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$23,469
−HK$622/mo
Today · 4.125%
HK$24,091
baseline
▲ 0.50% · 4.625%
HK$25,361
+HK$1,270/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$48,182/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$178,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,415
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$27,237
−HK$834/mo
Today · 4.125%
HK$28,071
baseline
▲ 0.50% · 4.625%
HK$29,779
+HK$1,708/mo
Deposit HK$644K · loan HK$5.79M · min. income ≈ HK$56,142/mo (50% DSR)
Upfront cash ≈ HK$822K (deposit + AVD stamp duty HK$178,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,386
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$30,174
−HK$800/mo
Today · 4.125%
HK$30,974
baseline
▲ 0.50% · 4.625%
HK$32,607
+HK$1,633/mo
Deposit HK$644K · loan HK$5.79M · min. income ≈ HK$61,948/mo (50% DSR)
Upfront cash ≈ HK$822K (deposit + AVD stamp duty HK$178,565 · 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).