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$14,707
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,165
−HK$465/mo
Today · 4.125%
HK$15,630
baseline
▲ 0.50% · 4.625%
HK$16,581
+HK$951/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$31,260/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$179,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,362
−HK$884/mo
▼ 0.25% · 3.875%
HK$16,800
−HK$446/mo
Today · 4.125%
HK$17,246
baseline
▲ 0.50% · 4.625%
HK$18,155
+HK$909/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$34,492/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$179,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,649
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$18,198
−HK$557/mo
Today · 4.125%
HK$18,755
baseline
▲ 0.50% · 4.625%
HK$19,897
+HK$1,142/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$37,510/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$179,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,634
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$20,161
−HK$534/mo
Today · 4.125%
HK$20,695
baseline
▲ 0.50% · 4.625%
HK$21,786
+HK$1,091/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$41,390/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$179,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,590
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$21,231
−HK$650/mo
Today · 4.125%
HK$21,881
baseline
▲ 0.50% · 4.625%
HK$23,213
+HK$1,332/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$43,762/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$179,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,906
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$23,521
−HK$623/mo
Today · 4.125%
HK$24,144
baseline
▲ 0.50% · 4.625%
HK$25,417
+HK$1,273/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$48,288/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$179,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,473
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,297
−HK$836/mo
Today · 4.125%
HK$28,133
baseline
▲ 0.50% · 4.625%
HK$29,845
+HK$1,712/mo
Deposit HK$645K · loan HK$5.80M · min. income ≈ HK$56,266/mo (50% DSR)
Upfront cash ≈ HK$825K (deposit + AVD stamp duty HK$179,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,451
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$30,241
−HK$801/mo
Today · 4.125%
HK$31,042
baseline
▲ 0.50% · 4.625%
HK$32,678
+HK$1,636/mo
Deposit HK$645K · loan HK$5.80M · min. income ≈ HK$62,084/mo (50% DSR)
Upfront cash ≈ HK$825K (deposit + AVD stamp duty HK$179,983 · 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).