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$14,682
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,138
−HK$464/mo
Today · 4.125%
HK$15,602
baseline
▲ 0.50% · 4.625%
HK$16,552
+HK$950/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$31,204/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$178,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,333
−HK$883/mo
▼ 0.25% · 3.875%
HK$16,771
−HK$445/mo
Today · 4.125%
HK$17,216
baseline
▲ 0.50% · 4.625%
HK$18,123
+HK$907/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$34,432/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$178,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,618
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$18,166
−HK$557/mo
Today · 4.125%
HK$18,723
baseline
▲ 0.50% · 4.625%
HK$19,862
+HK$1,139/mo
Deposit HK$2.58M · loan HK$3.86M · min. income ≈ HK$37,446/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$178,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,600
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$20,126
−HK$533/mo
Today · 4.125%
HK$20,659
baseline
▲ 0.50% · 4.625%
HK$21,748
+HK$1,089/mo
Deposit HK$2.58M · loan HK$3.86M · min. income ≈ HK$41,318/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$178,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,555
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$21,194
−HK$649/mo
Today · 4.125%
HK$21,843
baseline
▲ 0.50% · 4.625%
HK$23,173
+HK$1,330/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$43,686/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$178,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,867
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$23,480
−HK$622/mo
Today · 4.125%
HK$24,102
baseline
▲ 0.50% · 4.625%
HK$25,373
+HK$1,271/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$48,204/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$178,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,427
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$27,249
−HK$835/mo
Today · 4.125%
HK$28,084
baseline
▲ 0.50% · 4.625%
HK$29,793
+HK$1,709/mo
Deposit HK$644K · loan HK$5.79M · min. income ≈ HK$56,168/mo (50% DSR)
Upfront cash ≈ HK$823K (deposit + AVD stamp duty HK$178,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,400
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$30,189
−HK$799/mo
Today · 4.125%
HK$30,988
baseline
▲ 0.50% · 4.625%
HK$32,622
+HK$1,634/mo
Deposit HK$644K · loan HK$5.79M · min. income ≈ HK$61,976/mo (50% DSR)
Upfront cash ≈ HK$823K (deposit + AVD stamp duty HK$178,867 · 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).