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$14,651
−HK$918/mo
▼ 0.25% · 3.875%
HK$15,106
−HK$463/mo
Today · 4.125%
HK$15,569
baseline
▲ 0.50% · 4.625%
HK$16,517
+HK$948/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$31,138/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$177,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,299
−HK$880/mo
▼ 0.25% · 3.875%
HK$16,736
−HK$443/mo
Today · 4.125%
HK$17,179
baseline
▲ 0.50% · 4.625%
HK$18,085
+HK$906/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$34,358/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$177,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,581
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$18,128
−HK$555/mo
Today · 4.125%
HK$18,683
baseline
▲ 0.50% · 4.625%
HK$19,820
+HK$1,137/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$37,366/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$177,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,558
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,083
−HK$532/mo
Today · 4.125%
HK$20,615
baseline
▲ 0.50% · 4.625%
HK$21,702
+HK$1,087/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$41,230/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$177,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,511
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$21,149
−HK$648/mo
Today · 4.125%
HK$21,797
baseline
▲ 0.50% · 4.625%
HK$23,123
+HK$1,326/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$43,594/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$177,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,818
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$23,430
−HK$621/mo
Today · 4.125%
HK$24,051
baseline
▲ 0.50% · 4.625%
HK$25,319
+HK$1,268/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$48,102/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$177,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,371
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,191
−HK$834/mo
Today · 4.125%
HK$28,025
baseline
▲ 0.50% · 4.625%
HK$29,730
+HK$1,705/mo
Deposit HK$642K · loan HK$5.78M · min. income ≈ HK$56,050/mo (50% DSR)
Upfront cash ≈ HK$820K (deposit + AVD stamp duty HK$177,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,338
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$30,124
−HK$799/mo
Today · 4.125%
HK$30,923
baseline
▲ 0.50% · 4.625%
HK$32,553
+HK$1,630/mo
Deposit HK$642K · loan HK$5.78M · min. income ≈ HK$61,846/mo (50% DSR)
Upfront cash ≈ HK$820K (deposit + AVD stamp duty HK$177,499 · 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).