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$14,662
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,118
−HK$464/mo
Today · 4.125%
HK$15,582
baseline
▲ 0.50% · 4.625%
HK$16,530
+HK$948/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$31,164/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$178,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,312
−HK$881/mo
▼ 0.25% · 3.875%
HK$16,749
−HK$444/mo
Today · 4.125%
HK$17,193
baseline
▲ 0.50% · 4.625%
HK$18,099
+HK$906/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$34,386/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$178,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,595
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$18,142
−HK$556/mo
Today · 4.125%
HK$18,698
baseline
▲ 0.50% · 4.625%
HK$19,836
+HK$1,138/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$37,396/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$178,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,574
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$20,099
−HK$533/mo
Today · 4.125%
HK$20,632
baseline
▲ 0.50% · 4.625%
HK$21,719
+HK$1,087/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$41,264/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$178,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,527
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$21,166
−HK$649/mo
Today · 4.125%
HK$21,815
baseline
▲ 0.50% · 4.625%
HK$23,142
+HK$1,327/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$43,630/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$178,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,836
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$23,449
−HK$621/mo
Today · 4.125%
HK$24,070
baseline
▲ 0.50% · 4.625%
HK$25,339
+HK$1,269/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$48,140/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$178,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,392
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$27,213
−HK$834/mo
Today · 4.125%
HK$28,047
baseline
▲ 0.50% · 4.625%
HK$29,754
+HK$1,707/mo
Deposit HK$643K · loan HK$5.79M · min. income ≈ HK$56,094/mo (50% DSR)
Upfront cash ≈ HK$821K (deposit + AVD stamp duty HK$178,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,361
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,149
−HK$798/mo
Today · 4.125%
HK$30,947
baseline
▲ 0.50% · 4.625%
HK$32,579
+HK$1,632/mo
Deposit HK$643K · loan HK$5.79M · min. income ≈ HK$61,894/mo (50% DSR)
Upfront cash ≈ HK$821K (deposit + AVD stamp duty HK$178,013 · 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).