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$14,625
−HK$917/mo
▼ 0.25% · 3.875%
HK$15,080
−HK$462/mo
Today · 4.125%
HK$15,542
baseline
▲ 0.50% · 4.625%
HK$16,488
+HK$946/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$31,084/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$176,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,270
−HK$879/mo
▼ 0.25% · 3.875%
HK$16,707
−HK$442/mo
Today · 4.125%
HK$17,149
baseline
▲ 0.50% · 4.625%
HK$18,053
+HK$904/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$34,298/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$176,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,550
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$18,096
−HK$555/mo
Today · 4.125%
HK$18,651
baseline
▲ 0.50% · 4.625%
HK$19,786
+HK$1,135/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$37,302/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$176,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,524
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$20,048
−HK$531/mo
Today · 4.125%
HK$20,579
baseline
▲ 0.50% · 4.625%
HK$21,664
+HK$1,085/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$41,158/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$176,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,475
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,112
−HK$647/mo
Today · 4.125%
HK$21,759
baseline
▲ 0.50% · 4.625%
HK$23,083
+HK$1,324/mo
Deposit HK$1.92M · loan HK$4.49M · min. income ≈ HK$43,518/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$176,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,779
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,389
−HK$620/mo
Today · 4.125%
HK$24,009
baseline
▲ 0.50% · 4.625%
HK$25,275
+HK$1,266/mo
Deposit HK$1.92M · loan HK$4.49M · min. income ≈ HK$48,018/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$176,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,325
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$27,144
−HK$832/mo
Today · 4.125%
HK$27,976
baseline
▲ 0.50% · 4.625%
HK$29,678
+HK$1,702/mo
Deposit HK$641K · loan HK$5.77M · min. income ≈ HK$55,952/mo (50% DSR)
Upfront cash ≈ HK$818K (deposit + AVD stamp duty HK$176,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,287
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$30,072
−HK$797/mo
Today · 4.125%
HK$30,869
baseline
▲ 0.50% · 4.625%
HK$32,496
+HK$1,627/mo
Deposit HK$641K · loan HK$5.77M · min. income ≈ HK$61,738/mo (50% DSR)
Upfront cash ≈ HK$818K (deposit + AVD stamp duty HK$176,384 · 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).