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$14,699
−HK$922/mo
▼ 0.25% · 3.875%
HK$15,157
−HK$464/mo
Today · 4.125%
HK$15,621
baseline
▲ 0.50% · 4.625%
HK$16,572
+HK$951/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$31,242/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$179,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,353
−HK$883/mo
▼ 0.25% · 3.875%
HK$16,792
−HK$444/mo
Today · 4.125%
HK$17,236
baseline
▲ 0.50% · 4.625%
HK$18,145
+HK$909/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$34,472/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$179,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,639
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$18,188
−HK$557/mo
Today · 4.125%
HK$18,745
baseline
▲ 0.50% · 4.625%
HK$19,886
+HK$1,141/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$37,490/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$179,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,624
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,150
−HK$534/mo
Today · 4.125%
HK$20,684
baseline
▲ 0.50% · 4.625%
HK$21,774
+HK$1,090/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$41,368/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$179,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,579
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$21,219
−HK$651/mo
Today · 4.125%
HK$21,870
baseline
▲ 0.50% · 4.625%
HK$23,200
+HK$1,330/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$43,740/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$179,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,894
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$23,508
−HK$623/mo
Today · 4.125%
HK$24,131
baseline
▲ 0.50% · 4.625%
HK$25,403
+HK$1,272/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$48,262/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$179,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,459
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$27,282
−HK$836/mo
Today · 4.125%
HK$28,118
baseline
▲ 0.50% · 4.625%
HK$29,829
+HK$1,711/mo
Deposit HK$645K · loan HK$5.80M · min. income ≈ HK$56,236/mo (50% DSR)
Upfront cash ≈ HK$824K (deposit + AVD stamp duty HK$179,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,435
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$30,225
−HK$801/mo
Today · 4.125%
HK$31,026
baseline
▲ 0.50% · 4.625%
HK$32,661
+HK$1,635/mo
Deposit HK$645K · loan HK$5.80M · min. income ≈ HK$62,052/mo (50% DSR)
Upfront cash ≈ HK$824K (deposit + AVD stamp duty HK$179,638 · 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).