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$14,687
−HK$921/mo
▼ 0.25% · 3.875%
HK$15,144
−HK$464/mo
Today · 4.125%
HK$15,608
baseline
▲ 0.50% · 4.625%
HK$16,558
+HK$950/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$31,216/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$179,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,339
−HK$883/mo
▼ 0.25% · 3.875%
HK$16,777
−HK$445/mo
Today · 4.125%
HK$17,222
baseline
▲ 0.50% · 4.625%
HK$18,130
+HK$908/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$34,444/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$179,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,625
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$18,173
−HK$557/mo
Today · 4.125%
HK$18,730
baseline
▲ 0.50% · 4.625%
HK$19,869
+HK$1,139/mo
Deposit HK$2.58M · loan HK$3.86M · min. income ≈ HK$37,460/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$179,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,607
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$20,133
−HK$533/mo
Today · 4.125%
HK$20,666
baseline
▲ 0.50% · 4.625%
HK$21,756
+HK$1,090/mo
Deposit HK$2.58M · loan HK$3.86M · min. income ≈ HK$41,332/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$179,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,562
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$21,202
−HK$649/mo
Today · 4.125%
HK$21,851
baseline
▲ 0.50% · 4.625%
HK$23,181
+HK$1,330/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$43,702/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$179,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,875
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,488
−HK$623/mo
Today · 4.125%
HK$24,111
baseline
▲ 0.50% · 4.625%
HK$25,382
+HK$1,271/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$48,222/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$179,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,437
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$27,259
−HK$836/mo
Today · 4.125%
HK$28,095
baseline
▲ 0.50% · 4.625%
HK$29,804
+HK$1,709/mo
Deposit HK$644K · loan HK$5.80M · min. income ≈ HK$56,190/mo (50% DSR)
Upfront cash ≈ HK$823K (deposit + AVD stamp duty HK$179,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,411
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$30,199
−HK$801/mo
Today · 4.125%
HK$31,000
baseline
▲ 0.50% · 4.625%
HK$32,634
+HK$1,634/mo
Deposit HK$644K · loan HK$5.80M · min. income ≈ HK$62,000/mo (50% DSR)
Upfront cash ≈ HK$823K (deposit + AVD stamp duty HK$179,100 · 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).