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$14,637
−HK$918/mo
▼ 0.25% · 3.875%
HK$15,092
−HK$463/mo
Today · 4.125%
HK$15,555
baseline
▲ 0.50% · 4.625%
HK$16,501
+HK$946/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$31,110/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$176,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,283
−HK$880/mo
▼ 0.25% · 3.875%
HK$16,720
−HK$443/mo
Today · 4.125%
HK$17,163
baseline
▲ 0.50% · 4.625%
HK$18,068
+HK$905/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$34,326/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$176,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,564
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$18,111
−HK$555/mo
Today · 4.125%
HK$18,666
baseline
▲ 0.50% · 4.625%
HK$19,801
+HK$1,135/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$37,332/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$176,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,540
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$20,064
−HK$532/mo
Today · 4.125%
HK$20,596
baseline
▲ 0.50% · 4.625%
HK$21,681
+HK$1,085/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$41,192/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$176,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,492
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$21,129
−HK$648/mo
Today · 4.125%
HK$21,777
baseline
▲ 0.50% · 4.625%
HK$23,102
+HK$1,325/mo
Deposit HK$1.93M · loan HK$4.49M · min. income ≈ HK$43,554/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$176,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,797
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,408
−HK$620/mo
Today · 4.125%
HK$24,028
baseline
▲ 0.50% · 4.625%
HK$25,295
+HK$1,267/mo
Deposit HK$1.93M · loan HK$4.49M · min. income ≈ HK$48,056/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$176,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,346
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$27,166
−HK$833/mo
Today · 4.125%
HK$27,999
baseline
▲ 0.50% · 4.625%
HK$29,702
+HK$1,703/mo
Deposit HK$642K · loan HK$5.78M · min. income ≈ HK$55,998/mo (50% DSR)
Upfront cash ≈ HK$819K (deposit + AVD stamp duty HK$176,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,310
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$30,096
−HK$798/mo
Today · 4.125%
HK$30,894
baseline
▲ 0.50% · 4.625%
HK$32,522
+HK$1,628/mo
Deposit HK$642K · loan HK$5.78M · min. income ≈ HK$61,788/mo (50% DSR)
Upfront cash ≈ HK$819K (deposit + AVD stamp duty HK$176,896 · 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).