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$14,656
−HK$919/mo
▼ 0.25% · 3.875%
HK$15,112
−HK$463/mo
Today · 4.125%
HK$15,575
baseline
▲ 0.50% · 4.625%
HK$16,523
+HK$948/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$31,150/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$177,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,305
−HK$881/mo
▼ 0.25% · 3.875%
HK$16,742
−HK$444/mo
Today · 4.125%
HK$17,186
baseline
▲ 0.50% · 4.625%
HK$18,092
+HK$906/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$34,372/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$177,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,588
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$18,135
−HK$555/mo
Today · 4.125%
HK$18,690
baseline
▲ 0.50% · 4.625%
HK$19,828
+HK$1,138/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$37,380/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$177,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,566
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,091
−HK$532/mo
Today · 4.125%
HK$20,623
baseline
▲ 0.50% · 4.625%
HK$21,710
+HK$1,087/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$41,246/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$177,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,519
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$21,157
−HK$649/mo
Today · 4.125%
HK$21,806
baseline
▲ 0.50% · 4.625%
HK$23,132
+HK$1,326/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$177,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,827
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$23,439
−HK$621/mo
Today · 4.125%
HK$24,060
baseline
▲ 0.50% · 4.625%
HK$25,329
+HK$1,269/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$48,120/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$177,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,381
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$27,202
−HK$834/mo
Today · 4.125%
HK$28,036
baseline
▲ 0.50% · 4.625%
HK$29,742
+HK$1,706/mo
Deposit HK$643K · loan HK$5.78M · min. income ≈ HK$56,072/mo (50% DSR)
Upfront cash ≈ HK$820K (deposit + AVD stamp duty HK$177,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,349
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,136
−HK$799/mo
Today · 4.125%
HK$30,935
baseline
▲ 0.50% · 4.625%
HK$32,565
+HK$1,630/mo
Deposit HK$643K · loan HK$5.78M · min. income ≈ HK$61,870/mo (50% DSR)
Upfront cash ≈ HK$820K (deposit + AVD stamp duty HK$177,750 · 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).