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$14,679
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,135
−HK$464/mo
Today · 4.125%
HK$15,599
baseline
▲ 0.50% · 4.625%
HK$16,548
+HK$949/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$31,198/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$178,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,330
−HK$882/mo
▼ 0.25% · 3.875%
HK$16,768
−HK$444/mo
Today · 4.125%
HK$17,212
baseline
▲ 0.50% · 4.625%
HK$18,120
+HK$908/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$34,424/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$178,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,615
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$18,162
−HK$557/mo
Today · 4.125%
HK$18,719
baseline
▲ 0.50% · 4.625%
HK$19,858
+HK$1,139/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$37,438/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$178,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,596
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$20,122
−HK$533/mo
Today · 4.125%
HK$20,655
baseline
▲ 0.50% · 4.625%
HK$21,743
+HK$1,088/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$41,310/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$178,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,550
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$21,189
−HK$650/mo
Today · 4.125%
HK$21,839
baseline
▲ 0.50% · 4.625%
HK$23,168
+HK$1,329/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$43,678/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$178,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,862
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$23,475
−HK$622/mo
Today · 4.125%
HK$24,097
baseline
▲ 0.50% · 4.625%
HK$25,367
+HK$1,270/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$48,194/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$178,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,422
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$27,244
−HK$835/mo
Today · 4.125%
HK$28,079
baseline
▲ 0.50% · 4.625%
HK$29,787
+HK$1,708/mo
Deposit HK$644K · loan HK$5.79M · min. income ≈ HK$56,158/mo (50% DSR)
Upfront cash ≈ HK$822K (deposit + AVD stamp duty HK$178,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,394
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$30,182
−HK$800/mo
Today · 4.125%
HK$30,982
baseline
▲ 0.50% · 4.625%
HK$32,615
+HK$1,633/mo
Deposit HK$644K · loan HK$5.79M · min. income ≈ HK$61,964/mo (50% DSR)
Upfront cash ≈ HK$822K (deposit + AVD stamp duty HK$178,733 · 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).