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$14,732
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,190
−HK$465/mo
Today · 4.125%
HK$15,655
baseline
▲ 0.50% · 4.625%
HK$16,608
+HK$953/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$31,310/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$181,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,389
−HK$885/mo
▼ 0.25% · 3.875%
HK$16,828
−HK$446/mo
Today · 4.125%
HK$17,274
baseline
▲ 0.50% · 4.625%
HK$18,185
+HK$911/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$34,548/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$181,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,678
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$18,228
−HK$559/mo
Today · 4.125%
HK$18,787
baseline
▲ 0.50% · 4.625%
HK$19,930
+HK$1,143/mo
Deposit HK$2.58M · loan HK$3.88M · min. income ≈ HK$37,574/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$181,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,667
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$20,194
−HK$535/mo
Today · 4.125%
HK$20,729
baseline
▲ 0.50% · 4.625%
HK$21,822
+HK$1,093/mo
Deposit HK$2.58M · loan HK$3.88M · min. income ≈ HK$41,458/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$181,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,624
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$21,266
−HK$652/mo
Today · 4.125%
HK$21,918
baseline
▲ 0.50% · 4.625%
HK$23,251
+HK$1,333/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$43,836/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$181,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,944
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$23,560
−HK$624/mo
Today · 4.125%
HK$24,184
baseline
▲ 0.50% · 4.625%
HK$25,459
+HK$1,275/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$48,368/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$181,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,517
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$27,342
−HK$838/mo
Today · 4.125%
HK$28,180
baseline
▲ 0.50% · 4.625%
HK$29,894
+HK$1,714/mo
Deposit HK$646K · loan HK$5.81M · min. income ≈ HK$56,360/mo (50% DSR)
Upfront cash ≈ HK$827K (deposit + AVD stamp duty HK$181,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,500
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$30,291
−HK$803/mo
Today · 4.125%
HK$31,094
baseline
▲ 0.50% · 4.625%
HK$32,733
+HK$1,639/mo
Deposit HK$646K · loan HK$5.81M · min. income ≈ HK$62,188/mo (50% DSR)
Upfront cash ≈ HK$827K (deposit + AVD stamp duty HK$181,052 · 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).