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$14,634
−HK$917/mo
▼ 0.25% · 3.875%
HK$15,089
−HK$462/mo
Today · 4.125%
HK$15,551
baseline
▲ 0.50% · 4.625%
HK$16,498
+HK$947/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$31,102/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$176,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,280
−HK$879/mo
▼ 0.25% · 3.875%
HK$16,716
−HK$443/mo
Today · 4.125%
HK$17,159
baseline
▲ 0.50% · 4.625%
HK$18,064
+HK$905/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$34,318/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$176,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,560
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$18,107
−HK$555/mo
Today · 4.125%
HK$18,662
baseline
▲ 0.50% · 4.625%
HK$19,797
+HK$1,135/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$37,324/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$176,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,536
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$20,060
−HK$531/mo
Today · 4.125%
HK$20,591
baseline
▲ 0.50% · 4.625%
HK$21,677
+HK$1,086/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$41,182/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$176,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,487
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$21,124
−HK$648/mo
Today · 4.125%
HK$21,772
baseline
▲ 0.50% · 4.625%
HK$23,097
+HK$1,325/mo
Deposit HK$1.93M · loan HK$4.49M · min. income ≈ HK$43,544/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$176,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,792
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,403
−HK$620/mo
Today · 4.125%
HK$24,023
baseline
▲ 0.50% · 4.625%
HK$25,289
+HK$1,266/mo
Deposit HK$1.93M · loan HK$4.49M · min. income ≈ HK$48,046/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$176,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,340
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$27,160
−HK$832/mo
Today · 4.125%
HK$27,992
baseline
▲ 0.50% · 4.625%
HK$29,696
+HK$1,704/mo
Deposit HK$642K · loan HK$5.78M · min. income ≈ HK$55,984/mo (50% DSR)
Upfront cash ≈ HK$819K (deposit + AVD stamp duty HK$176,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,304
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$30,089
−HK$798/mo
Today · 4.125%
HK$30,887
baseline
▲ 0.50% · 4.625%
HK$32,515
+HK$1,628/mo
Deposit HK$642K · loan HK$5.78M · min. income ≈ HK$61,774/mo (50% DSR)
Upfront cash ≈ HK$819K (deposit + AVD stamp duty HK$176,753 · 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).