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$14,644
−HK$919/mo
▼ 0.25% · 3.875%
HK$15,100
−HK$463/mo
Today · 4.125%
HK$15,563
baseline
▲ 0.50% · 4.625%
HK$16,510
+HK$947/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$31,126/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$177,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,292
−HK$880/mo
▼ 0.25% · 3.875%
HK$16,729
−HK$443/mo
Today · 4.125%
HK$17,172
baseline
▲ 0.50% · 4.625%
HK$18,077
+HK$905/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$34,344/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$177,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,573
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$18,120
−HK$555/mo
Today · 4.125%
HK$18,675
baseline
▲ 0.50% · 4.625%
HK$19,812
+HK$1,137/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$37,350/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$177,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,550
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$20,074
−HK$532/mo
Today · 4.125%
HK$20,606
baseline
▲ 0.50% · 4.625%
HK$21,692
+HK$1,086/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$41,212/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$177,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,502
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$21,140
−HK$648/mo
Today · 4.125%
HK$21,788
baseline
▲ 0.50% · 4.625%
HK$23,113
+HK$1,325/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$43,576/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$177,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,808
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$23,420
−HK$621/mo
Today · 4.125%
HK$24,041
baseline
▲ 0.50% · 4.625%
HK$25,308
+HK$1,267/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$48,082/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$177,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,360
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$27,180
−HK$833/mo
Today · 4.125%
HK$28,013
baseline
▲ 0.50% · 4.625%
HK$29,717
+HK$1,704/mo
Deposit HK$642K · loan HK$5.78M · min. income ≈ HK$56,026/mo (50% DSR)
Upfront cash ≈ HK$819K (deposit + AVD stamp duty HK$177,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,325
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$30,112
−HK$797/mo
Today · 4.125%
HK$30,909
baseline
▲ 0.50% · 4.625%
HK$32,539
+HK$1,630/mo
Deposit HK$642K · loan HK$5.78M · min. income ≈ HK$61,818/mo (50% DSR)
Upfront cash ≈ HK$819K (deposit + AVD stamp duty HK$177,224 · 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).