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$14,678
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,134
−HK$464/mo
Today · 4.125%
HK$15,598
baseline
▲ 0.50% · 4.625%
HK$16,547
+HK$949/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$31,196/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$178,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,329
−HK$882/mo
▼ 0.25% · 3.875%
HK$16,767
−HK$444/mo
Today · 4.125%
HK$17,211
baseline
▲ 0.50% · 4.625%
HK$18,118
+HK$907/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$34,422/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$178,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,613
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$18,161
−HK$557/mo
Today · 4.125%
HK$18,718
baseline
▲ 0.50% · 4.625%
HK$19,857
+HK$1,139/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$37,436/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$178,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,595
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$20,120
−HK$533/mo
Today · 4.125%
HK$20,653
baseline
▲ 0.50% · 4.625%
HK$21,742
+HK$1,089/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$41,306/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$178,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,549
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$21,188
−HK$650/mo
Today · 4.125%
HK$21,838
baseline
▲ 0.50% · 4.625%
HK$23,166
+HK$1,328/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$43,676/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$178,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,860
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,474
−HK$622/mo
Today · 4.125%
HK$24,096
baseline
▲ 0.50% · 4.625%
HK$25,366
+HK$1,270/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$48,192/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$178,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,420
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$27,242
−HK$835/mo
Today · 4.125%
HK$28,077
baseline
▲ 0.50% · 4.625%
HK$29,785
+HK$1,708/mo
Deposit HK$644K · loan HK$5.79M · min. income ≈ HK$56,154/mo (50% DSR)
Upfront cash ≈ HK$822K (deposit + AVD stamp duty HK$178,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,392
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$30,180
−HK$800/mo
Today · 4.125%
HK$30,980
baseline
▲ 0.50% · 4.625%
HK$32,613
+HK$1,633/mo
Deposit HK$644K · loan HK$5.79M · min. income ≈ HK$61,960/mo (50% DSR)
Upfront cash ≈ HK$822K (deposit + AVD stamp duty HK$178,691 · 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).