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$14,657
−HK$919/mo
▼ 0.25% · 3.875%
HK$15,113
−HK$463/mo
Today · 4.125%
HK$15,576
baseline
▲ 0.50% · 4.625%
HK$16,524
+HK$948/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$31,152/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$177,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,306
−HK$881/mo
▼ 0.25% · 3.875%
HK$16,743
−HK$444/mo
Today · 4.125%
HK$17,187
baseline
▲ 0.50% · 4.625%
HK$18,092
+HK$905/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$34,374/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$177,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,588
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$18,135
−HK$556/mo
Today · 4.125%
HK$18,691
baseline
▲ 0.50% · 4.625%
HK$19,828
+HK$1,137/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$37,382/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$177,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,567
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,091
−HK$533/mo
Today · 4.125%
HK$20,624
baseline
▲ 0.50% · 4.625%
HK$21,711
+HK$1,087/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$41,248/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$177,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,520
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$21,158
−HK$648/mo
Today · 4.125%
HK$21,806
baseline
▲ 0.50% · 4.625%
HK$23,133
+HK$1,327/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$43,612/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$177,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,828
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$23,440
−HK$621/mo
Today · 4.125%
HK$24,061
baseline
▲ 0.50% · 4.625%
HK$25,329
+HK$1,268/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$48,122/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$177,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,382
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$27,203
−HK$834/mo
Today · 4.125%
HK$28,037
baseline
▲ 0.50% · 4.625%
HK$29,743
+HK$1,706/mo
Deposit HK$643K · loan HK$5.78M · min. income ≈ HK$56,074/mo (50% DSR)
Upfront cash ≈ HK$821K (deposit + AVD stamp duty HK$177,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,350
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,137
−HK$799/mo
Today · 4.125%
HK$30,936
baseline
▲ 0.50% · 4.625%
HK$32,566
+HK$1,630/mo
Deposit HK$643K · loan HK$5.78M · min. income ≈ HK$61,872/mo (50% DSR)
Upfront cash ≈ HK$821K (deposit + AVD stamp duty HK$177,771 · 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).