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$14,655
−HK$919/mo
▼ 0.25% · 3.875%
HK$15,111
−HK$463/mo
Today · 4.125%
HK$15,574
baseline
▲ 0.50% · 4.625%
HK$16,521
+HK$947/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$31,148/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$177,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,303
−HK$881/mo
▼ 0.25% · 3.875%
HK$16,741
−HK$443/mo
Today · 4.125%
HK$17,184
baseline
▲ 0.50% · 4.625%
HK$18,090
+HK$906/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$34,368/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$177,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,586
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$18,133
−HK$556/mo
Today · 4.125%
HK$18,689
baseline
▲ 0.50% · 4.625%
HK$19,826
+HK$1,137/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$37,378/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$177,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,564
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,089
−HK$532/mo
Today · 4.125%
HK$20,621
baseline
▲ 0.50% · 4.625%
HK$21,708
+HK$1,087/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$41,242/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$177,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,517
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$21,155
−HK$648/mo
Today · 4.125%
HK$21,803
baseline
▲ 0.50% · 4.625%
HK$23,130
+HK$1,327/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$43,606/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$177,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,825
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$23,437
−HK$621/mo
Today · 4.125%
HK$24,058
baseline
▲ 0.50% · 4.625%
HK$25,326
+HK$1,268/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$48,116/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$177,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,379
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,199
−HK$834/mo
Today · 4.125%
HK$28,033
baseline
▲ 0.50% · 4.625%
HK$29,739
+HK$1,706/mo
Deposit HK$643K · loan HK$5.78M · min. income ≈ HK$56,066/mo (50% DSR)
Upfront cash ≈ HK$820K (deposit + AVD stamp duty HK$177,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,346
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,133
−HK$799/mo
Today · 4.125%
HK$30,932
baseline
▲ 0.50% · 4.625%
HK$32,562
+HK$1,630/mo
Deposit HK$643K · loan HK$5.78M · min. income ≈ HK$61,864/mo (50% DSR)
Upfront cash ≈ HK$820K (deposit + AVD stamp duty HK$177,686 · 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).