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$14,701
−HK$922/mo
▼ 0.25% · 3.875%
HK$15,159
−HK$464/mo
Today · 4.125%
HK$15,623
baseline
▲ 0.50% · 4.625%
HK$16,574
+HK$951/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$31,246/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$179,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,355
−HK$884/mo
▼ 0.25% · 3.875%
HK$16,794
−HK$445/mo
Today · 4.125%
HK$17,239
baseline
▲ 0.50% · 4.625%
HK$18,147
+HK$908/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$34,478/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$179,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,642
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$18,190
−HK$558/mo
Today · 4.125%
HK$18,748
baseline
▲ 0.50% · 4.625%
HK$19,889
+HK$1,141/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$37,496/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$179,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,626
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$20,153
−HK$534/mo
Today · 4.125%
HK$20,687
baseline
▲ 0.50% · 4.625%
HK$21,777
+HK$1,090/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$41,374/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$179,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,582
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$21,222
−HK$651/mo
Today · 4.125%
HK$21,873
baseline
▲ 0.50% · 4.625%
HK$23,204
+HK$1,331/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$43,746/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$179,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,897
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$23,511
−HK$623/mo
Today · 4.125%
HK$24,134
baseline
▲ 0.50% · 4.625%
HK$25,406
+HK$1,272/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$48,268/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$179,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,463
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$27,286
−HK$836/mo
Today · 4.125%
HK$28,122
baseline
▲ 0.50% · 4.625%
HK$29,833
+HK$1,711/mo
Deposit HK$645K · loan HK$5.80M · min. income ≈ HK$56,244/mo (50% DSR)
Upfront cash ≈ HK$824K (deposit + AVD stamp duty HK$179,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,439
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$30,229
−HK$801/mo
Today · 4.125%
HK$31,030
baseline
▲ 0.50% · 4.625%
HK$32,665
+HK$1,635/mo
Deposit HK$645K · loan HK$5.80M · min. income ≈ HK$62,060/mo (50% DSR)
Upfront cash ≈ HK$824K (deposit + AVD stamp duty HK$179,727 · 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).