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$14,622
−HK$917/mo
▼ 0.25% · 3.875%
HK$15,077
−HK$462/mo
Today · 4.125%
HK$15,539
baseline
▲ 0.50% · 4.625%
HK$16,484
+HK$945/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$31,078/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$176,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,267
−HK$878/mo
▼ 0.25% · 3.875%
HK$16,703
−HK$442/mo
Today · 4.125%
HK$17,145
baseline
▲ 0.50% · 4.625%
HK$18,049
+HK$904/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$34,290/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$176,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,546
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$18,092
−HK$554/mo
Today · 4.125%
HK$18,646
baseline
▲ 0.50% · 4.625%
HK$19,781
+HK$1,135/mo
Deposit HK$2.56M · loan HK$3.85M · min. income ≈ HK$37,292/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$176,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,520
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,043
−HK$531/mo
Today · 4.125%
HK$20,574
baseline
▲ 0.50% · 4.625%
HK$21,659
+HK$1,085/mo
Deposit HK$2.56M · loan HK$3.85M · min. income ≈ HK$41,148/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$176,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,470
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,107
−HK$647/mo
Today · 4.125%
HK$21,754
baseline
▲ 0.50% · 4.625%
HK$23,078
+HK$1,324/mo
Deposit HK$1.92M · loan HK$4.49M · min. income ≈ HK$43,508/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$176,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,773
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,384
−HK$619/mo
Today · 4.125%
HK$24,003
baseline
▲ 0.50% · 4.625%
HK$25,269
+HK$1,266/mo
Deposit HK$1.92M · loan HK$4.49M · min. income ≈ HK$48,006/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$176,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,319
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$27,138
−HK$832/mo
Today · 4.125%
HK$27,970
baseline
▲ 0.50% · 4.625%
HK$29,671
+HK$1,701/mo
Deposit HK$641K · loan HK$5.77M · min. income ≈ HK$55,940/mo (50% DSR)
Upfront cash ≈ HK$817K (deposit + AVD stamp duty HK$176,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,280
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$30,065
−HK$797/mo
Today · 4.125%
HK$30,862
baseline
▲ 0.50% · 4.625%
HK$32,488
+HK$1,626/mo
Deposit HK$641K · loan HK$5.77M · min. income ≈ HK$61,724/mo (50% DSR)
Upfront cash ≈ HK$817K (deposit + AVD stamp duty HK$176,232 · 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).