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$14,648
−HK$919/mo
▼ 0.25% · 3.875%
HK$15,104
−HK$463/mo
Today · 4.125%
HK$15,567
baseline
▲ 0.50% · 4.625%
HK$16,514
+HK$947/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$31,134/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$177,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,296
−HK$881/mo
▼ 0.25% · 3.875%
HK$16,733
−HK$444/mo
Today · 4.125%
HK$17,177
baseline
▲ 0.50% · 4.625%
HK$18,082
+HK$905/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$34,354/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$177,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,578
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$18,125
−HK$555/mo
Today · 4.125%
HK$18,680
baseline
▲ 0.50% · 4.625%
HK$19,817
+HK$1,137/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$37,360/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$177,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,555
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,080
−HK$532/mo
Today · 4.125%
HK$20,612
baseline
▲ 0.50% · 4.625%
HK$21,698
+HK$1,086/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$41,224/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$177,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,508
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$21,146
−HK$648/mo
Today · 4.125%
HK$21,794
baseline
▲ 0.50% · 4.625%
HK$23,120
+HK$1,326/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$43,588/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$177,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,815
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$23,426
−HK$621/mo
Today · 4.125%
HK$24,047
baseline
▲ 0.50% · 4.625%
HK$25,315
+HK$1,268/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$48,094/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$177,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,367
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$27,187
−HK$833/mo
Today · 4.125%
HK$28,020
baseline
▲ 0.50% · 4.625%
HK$29,725
+HK$1,705/mo
Deposit HK$642K · loan HK$5.78M · min. income ≈ HK$56,040/mo (50% DSR)
Upfront cash ≈ HK$820K (deposit + AVD stamp duty HK$177,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,333
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$30,120
−HK$798/mo
Today · 4.125%
HK$30,918
baseline
▲ 0.50% · 4.625%
HK$32,548
+HK$1,630/mo
Deposit HK$642K · loan HK$5.78M · min. income ≈ HK$61,836/mo (50% DSR)
Upfront cash ≈ HK$820K (deposit + AVD stamp duty HK$177,399 · 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).