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$14,668
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,125
−HK$463/mo
Today · 4.125%
HK$15,588
baseline
▲ 0.50% · 4.625%
HK$16,537
+HK$949/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$31,176/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$178,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,318
−HK$882/mo
▼ 0.25% · 3.875%
HK$16,756
−HK$444/mo
Today · 4.125%
HK$17,200
baseline
▲ 0.50% · 4.625%
HK$18,107
+HK$907/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$34,400/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$178,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,602
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$18,150
−HK$556/mo
Today · 4.125%
HK$18,706
baseline
▲ 0.50% · 4.625%
HK$19,844
+HK$1,138/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$37,412/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$178,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,582
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$20,107
−HK$533/mo
Today · 4.125%
HK$20,640
baseline
▲ 0.50% · 4.625%
HK$21,728
+HK$1,088/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$41,280/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$178,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,536
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$21,174
−HK$649/mo
Today · 4.125%
HK$21,823
baseline
▲ 0.50% · 4.625%
HK$23,151
+HK$1,328/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$43,646/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$178,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,846
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$23,458
−HK$622/mo
Today · 4.125%
HK$24,080
baseline
▲ 0.50% · 4.625%
HK$25,349
+HK$1,269/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$48,160/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$178,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,403
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$27,224
−HK$835/mo
Today · 4.125%
HK$28,059
baseline
▲ 0.50% · 4.625%
HK$29,766
+HK$1,707/mo
Deposit HK$643K · loan HK$5.79M · min. income ≈ HK$56,118/mo (50% DSR)
Upfront cash ≈ HK$822K (deposit + AVD stamp duty HK$178,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,373
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$30,161
−HK$799/mo
Today · 4.125%
HK$30,960
baseline
▲ 0.50% · 4.625%
HK$32,592
+HK$1,632/mo
Deposit HK$643K · loan HK$5.79M · min. income ≈ HK$61,920/mo (50% DSR)
Upfront cash ≈ HK$822K (deposit + AVD stamp duty HK$178,277 · 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).