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$14,699
−HK$922/mo
▼ 0.25% · 3.875%
HK$15,156
−HK$465/mo
Today · 4.125%
HK$15,621
baseline
▲ 0.50% · 4.625%
HK$16,571
+HK$950/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$31,242/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$179,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,353
−HK$883/mo
▼ 0.25% · 3.875%
HK$16,791
−HK$445/mo
Today · 4.125%
HK$17,236
baseline
▲ 0.50% · 4.625%
HK$18,145
+HK$909/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$34,472/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$179,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,639
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$18,188
−HK$557/mo
Today · 4.125%
HK$18,745
baseline
▲ 0.50% · 4.625%
HK$19,886
+HK$1,141/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$37,490/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$179,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,623
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,149
−HK$534/mo
Today · 4.125%
HK$20,683
baseline
▲ 0.50% · 4.625%
HK$21,773
+HK$1,090/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$41,366/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$179,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,579
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$21,219
−HK$650/mo
Today · 4.125%
HK$21,869
baseline
▲ 0.50% · 4.625%
HK$23,200
+HK$1,331/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$43,738/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$179,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,894
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,508
−HK$622/mo
Today · 4.125%
HK$24,130
baseline
▲ 0.50% · 4.625%
HK$25,402
+HK$1,272/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$48,260/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$179,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,458
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$27,281
−HK$836/mo
Today · 4.125%
HK$28,117
baseline
▲ 0.50% · 4.625%
HK$29,828
+HK$1,711/mo
Deposit HK$645K · loan HK$5.80M · min. income ≈ HK$56,234/mo (50% DSR)
Upfront cash ≈ HK$824K (deposit + AVD stamp duty HK$179,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,435
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$30,224
−HK$801/mo
Today · 4.125%
HK$31,025
baseline
▲ 0.50% · 4.625%
HK$32,660
+HK$1,635/mo
Deposit HK$645K · loan HK$5.80M · min. income ≈ HK$62,050/mo (50% DSR)
Upfront cash ≈ HK$824K (deposit + AVD stamp duty HK$179,623 · 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).