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$14,705
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,163
−HK$465/mo
Today · 4.125%
HK$15,628
baseline
▲ 0.50% · 4.625%
HK$16,578
+HK$950/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$31,256/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$179,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,360
−HK$883/mo
▼ 0.25% · 3.875%
HK$16,798
−HK$445/mo
Today · 4.125%
HK$17,243
baseline
▲ 0.50% · 4.625%
HK$18,152
+HK$909/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$34,486/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$179,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,646
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$18,195
−HK$558/mo
Today · 4.125%
HK$18,753
baseline
▲ 0.50% · 4.625%
HK$19,894
+HK$1,141/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$37,506/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$179,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,632
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,158
−HK$534/mo
Today · 4.125%
HK$20,692
baseline
▲ 0.50% · 4.625%
HK$21,783
+HK$1,091/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$41,384/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$179,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,588
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$21,228
−HK$651/mo
Today · 4.125%
HK$21,879
baseline
▲ 0.50% · 4.625%
HK$23,210
+HK$1,331/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$43,758/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$179,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,903
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$23,518
−HK$623/mo
Today · 4.125%
HK$24,141
baseline
▲ 0.50% · 4.625%
HK$25,413
+HK$1,272/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$48,282/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$179,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,470
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,293
−HK$837/mo
Today · 4.125%
HK$28,130
baseline
▲ 0.50% · 4.625%
HK$29,841
+HK$1,711/mo
Deposit HK$645K · loan HK$5.80M · min. income ≈ HK$56,260/mo (50% DSR)
Upfront cash ≈ HK$825K (deposit + AVD stamp duty HK$179,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,447
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$30,237
−HK$801/mo
Today · 4.125%
HK$31,038
baseline
▲ 0.50% · 4.625%
HK$32,674
+HK$1,636/mo
Deposit HK$645K · loan HK$5.80M · min. income ≈ HK$62,076/mo (50% DSR)
Upfront cash ≈ HK$825K (deposit + AVD stamp duty HK$179,902 · 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).