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$14,701
−HK$921/mo
▼ 0.25% · 3.875%
HK$15,158
−HK$464/mo
Today · 4.125%
HK$15,622
baseline
▲ 0.50% · 4.625%
HK$16,573
+HK$951/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$31,244/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$179,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,354
−HK$884/mo
▼ 0.25% · 3.875%
HK$16,793
−HK$445/mo
Today · 4.125%
HK$17,238
baseline
▲ 0.50% · 4.625%
HK$18,146
+HK$908/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$34,476/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$179,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,641
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$18,189
−HK$558/mo
Today · 4.125%
HK$18,747
baseline
▲ 0.50% · 4.625%
HK$19,888
+HK$1,141/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$37,494/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$179,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,625
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,151
−HK$534/mo
Today · 4.125%
HK$20,685
baseline
▲ 0.50% · 4.625%
HK$21,776
+HK$1,091/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$41,370/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$179,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,581
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$21,221
−HK$650/mo
Today · 4.125%
HK$21,871
baseline
▲ 0.50% · 4.625%
HK$23,202
+HK$1,331/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$43,742/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$179,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,896
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$23,510
−HK$623/mo
Today · 4.125%
HK$24,133
baseline
▲ 0.50% · 4.625%
HK$25,405
+HK$1,272/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$48,266/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$179,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,461
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$27,284
−HK$836/mo
Today · 4.125%
HK$28,120
baseline
▲ 0.50% · 4.625%
HK$29,831
+HK$1,711/mo
Deposit HK$645K · loan HK$5.80M · min. income ≈ HK$56,240/mo (50% DSR)
Upfront cash ≈ HK$824K (deposit + AVD stamp duty HK$179,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,438
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$30,227
−HK$801/mo
Today · 4.125%
HK$31,028
baseline
▲ 0.50% · 4.625%
HK$32,664
+HK$1,636/mo
Deposit HK$645K · loan HK$5.80M · min. income ≈ HK$62,056/mo (50% DSR)
Upfront cash ≈ HK$824K (deposit + AVD stamp duty HK$179,690 · 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).