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$14,665
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,121
−HK$464/mo
Today · 4.125%
HK$15,585
baseline
▲ 0.50% · 4.625%
HK$16,533
+HK$948/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$31,170/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$178,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,315
−HK$881/mo
▼ 0.25% · 3.875%
HK$16,752
−HK$444/mo
Today · 4.125%
HK$17,196
baseline
▲ 0.50% · 4.625%
HK$18,103
+HK$907/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$34,392/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$178,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,598
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$18,145
−HK$557/mo
Today · 4.125%
HK$18,702
baseline
▲ 0.50% · 4.625%
HK$19,839
+HK$1,137/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$37,404/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$178,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,578
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,103
−HK$532/mo
Today · 4.125%
HK$20,635
baseline
▲ 0.50% · 4.625%
HK$21,723
+HK$1,088/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$41,270/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$178,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,531
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$21,170
−HK$648/mo
Today · 4.125%
HK$21,818
baseline
▲ 0.50% · 4.625%
HK$23,146
+HK$1,328/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$43,636/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$178,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,841
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$23,453
−HK$622/mo
Today · 4.125%
HK$24,075
baseline
▲ 0.50% · 4.625%
HK$25,344
+HK$1,269/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$48,150/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$178,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,397
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$27,218
−HK$834/mo
Today · 4.125%
HK$28,052
baseline
▲ 0.50% · 4.625%
HK$29,759
+HK$1,707/mo
Deposit HK$643K · loan HK$5.79M · min. income ≈ HK$56,104/mo (50% DSR)
Upfront cash ≈ HK$821K (deposit + AVD stamp duty HK$178,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,366
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$30,154
−HK$799/mo
Today · 4.125%
HK$30,953
baseline
▲ 0.50% · 4.625%
HK$32,585
+HK$1,632/mo
Deposit HK$643K · loan HK$5.79M · min. income ≈ HK$61,906/mo (50% DSR)
Upfront cash ≈ HK$821K (deposit + AVD stamp duty HK$178,129 · 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).