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$14,620
−HK$917/mo
▼ 0.25% · 3.875%
HK$15,075
−HK$462/mo
Today · 4.125%
HK$15,537
baseline
▲ 0.50% · 4.625%
HK$16,482
+HK$945/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$31,074/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$176,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,265
−HK$878/mo
▼ 0.25% · 3.875%
HK$16,701
−HK$442/mo
Today · 4.125%
HK$17,143
baseline
▲ 0.50% · 4.625%
HK$18,047
+HK$904/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$34,286/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$176,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,544
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$18,090
−HK$554/mo
Today · 4.125%
HK$18,644
baseline
▲ 0.50% · 4.625%
HK$19,779
+HK$1,135/mo
Deposit HK$2.56M · loan HK$3.85M · min. income ≈ HK$37,288/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$176,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,518
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,041
−HK$531/mo
Today · 4.125%
HK$20,572
baseline
▲ 0.50% · 4.625%
HK$21,656
+HK$1,084/mo
Deposit HK$2.56M · loan HK$3.85M · min. income ≈ HK$41,144/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$176,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,468
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,105
−HK$647/mo
Today · 4.125%
HK$21,752
baseline
▲ 0.50% · 4.625%
HK$23,075
+HK$1,323/mo
Deposit HK$1.92M · loan HK$4.49M · min. income ≈ HK$43,504/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$176,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,771
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,381
−HK$620/mo
Today · 4.125%
HK$24,001
baseline
▲ 0.50% · 4.625%
HK$25,266
+HK$1,265/mo
Deposit HK$1.92M · loan HK$4.49M · min. income ≈ HK$48,002/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$176,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,316
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$27,135
−HK$831/mo
Today · 4.125%
HK$27,966
baseline
▲ 0.50% · 4.625%
HK$29,668
+HK$1,702/mo
Deposit HK$641K · loan HK$5.77M · min. income ≈ HK$55,932/mo (50% DSR)
Upfront cash ≈ HK$817K (deposit + AVD stamp duty HK$176,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,276
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$30,062
−HK$796/mo
Today · 4.125%
HK$30,858
baseline
▲ 0.50% · 4.625%
HK$32,485
+HK$1,627/mo
Deposit HK$641K · loan HK$5.77M · min. income ≈ HK$61,716/mo (50% DSR)
Upfront cash ≈ HK$817K (deposit + AVD stamp duty HK$176,160 · 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).