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$14,659
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,115
−HK$464/mo
Today · 4.125%
HK$15,579
baseline
▲ 0.50% · 4.625%
HK$16,527
+HK$948/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$31,158/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$177,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,308
−HK$882/mo
▼ 0.25% · 3.875%
HK$16,746
−HK$444/mo
Today · 4.125%
HK$17,190
baseline
▲ 0.50% · 4.625%
HK$18,096
+HK$906/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$34,380/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$177,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,591
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$18,138
−HK$556/mo
Today · 4.125%
HK$18,694
baseline
▲ 0.50% · 4.625%
HK$19,832
+HK$1,138/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$37,388/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$177,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,570
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,095
−HK$532/mo
Today · 4.125%
HK$20,627
baseline
▲ 0.50% · 4.625%
HK$21,715
+HK$1,088/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$41,254/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$177,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,523
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$21,162
−HK$648/mo
Today · 4.125%
HK$21,810
baseline
▲ 0.50% · 4.625%
HK$23,137
+HK$1,327/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$43,620/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$177,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,832
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$23,444
−HK$621/mo
Today · 4.125%
HK$24,065
baseline
▲ 0.50% · 4.625%
HK$25,334
+HK$1,269/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$48,130/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$177,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,387
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$27,208
−HK$834/mo
Today · 4.125%
HK$28,042
baseline
▲ 0.50% · 4.625%
HK$29,748
+HK$1,706/mo
Deposit HK$643K · loan HK$5.79M · min. income ≈ HK$56,084/mo (50% DSR)
Upfront cash ≈ HK$821K (deposit + AVD stamp duty HK$177,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,355
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,142
−HK$799/mo
Today · 4.125%
HK$30,941
baseline
▲ 0.50% · 4.625%
HK$32,572
+HK$1,631/mo
Deposit HK$643K · loan HK$5.79M · min. income ≈ HK$61,882/mo (50% DSR)
Upfront cash ≈ HK$821K (deposit + AVD stamp duty HK$177,884 · 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).