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$14,747
−HK$925/mo
▼ 0.25% · 3.875%
HK$15,206
−HK$466/mo
Today · 4.125%
HK$15,672
baseline
▲ 0.50% · 4.625%
HK$16,626
+HK$954/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$31,344/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$181,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,406
−HK$886/mo
▼ 0.25% · 3.875%
HK$16,846
−HK$446/mo
Today · 4.125%
HK$17,292
baseline
▲ 0.50% · 4.625%
HK$18,204
+HK$912/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$34,584/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$181,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,697
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$18,247
−HK$559/mo
Today · 4.125%
HK$18,806
baseline
▲ 0.50% · 4.625%
HK$19,951
+HK$1,145/mo
Deposit HK$2.59M · loan HK$3.88M · min. income ≈ HK$37,612/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$181,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,687
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$20,215
−HK$536/mo
Today · 4.125%
HK$20,751
baseline
▲ 0.50% · 4.625%
HK$21,845
+HK$1,094/mo
Deposit HK$2.59M · loan HK$3.88M · min. income ≈ HK$41,502/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$181,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,646
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$21,288
−HK$653/mo
Today · 4.125%
HK$21,941
baseline
▲ 0.50% · 4.625%
HK$23,276
+HK$1,335/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$43,882/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$181,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,968
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$23,584
−HK$625/mo
Today · 4.125%
HK$24,209
baseline
▲ 0.50% · 4.625%
HK$25,485
+HK$1,276/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$48,418/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$181,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,545
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,371
−HK$838/mo
Today · 4.125%
HK$28,209
baseline
▲ 0.50% · 4.625%
HK$29,926
+HK$1,717/mo
Deposit HK$647K · loan HK$5.82M · min. income ≈ HK$56,418/mo (50% DSR)
Upfront cash ≈ HK$828K (deposit + AVD stamp duty HK$181,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,531
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$30,323
−HK$803/mo
Today · 4.125%
HK$31,126
baseline
▲ 0.50% · 4.625%
HK$32,767
+HK$1,641/mo
Deposit HK$647K · loan HK$5.82M · min. income ≈ HK$62,252/mo (50% DSR)
Upfront cash ≈ HK$828K (deposit + AVD stamp duty HK$181,732 · 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).