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$14,700
−HK$922/mo
▼ 0.25% · 3.875%
HK$15,157
−HK$465/mo
Today · 4.125%
HK$15,622
baseline
▲ 0.50% · 4.625%
HK$16,572
+HK$950/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$31,244/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$179,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,353
−HK$884/mo
▼ 0.25% · 3.875%
HK$16,792
−HK$445/mo
Today · 4.125%
HK$17,237
baseline
▲ 0.50% · 4.625%
HK$18,146
+HK$909/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$34,474/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$179,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,640
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$18,189
−HK$557/mo
Today · 4.125%
HK$18,746
baseline
▲ 0.50% · 4.625%
HK$19,887
+HK$1,141/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$37,492/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$179,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,624
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,150
−HK$534/mo
Today · 4.125%
HK$20,684
baseline
▲ 0.50% · 4.625%
HK$21,775
+HK$1,091/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$41,368/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$179,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,580
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$21,220
−HK$650/mo
Today · 4.125%
HK$21,870
baseline
▲ 0.50% · 4.625%
HK$23,201
+HK$1,331/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$43,740/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$179,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,895
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$23,509
−HK$623/mo
Today · 4.125%
HK$24,132
baseline
▲ 0.50% · 4.625%
HK$25,404
+HK$1,272/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$48,264/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$179,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,460
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$27,283
−HK$836/mo
Today · 4.125%
HK$28,119
baseline
▲ 0.50% · 4.625%
HK$29,830
+HK$1,711/mo
Deposit HK$645K · loan HK$5.80M · min. income ≈ HK$56,238/mo (50% DSR)
Upfront cash ≈ HK$824K (deposit + AVD stamp duty HK$179,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,436
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$30,226
−HK$801/mo
Today · 4.125%
HK$31,027
baseline
▲ 0.50% · 4.625%
HK$32,662
+HK$1,635/mo
Deposit HK$645K · loan HK$5.80M · min. income ≈ HK$62,054/mo (50% DSR)
Upfront cash ≈ HK$824K (deposit + AVD stamp duty HK$179,659 · 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).