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$14,721
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,179
−HK$465/mo
Today · 4.125%
HK$15,644
baseline
▲ 0.50% · 4.625%
HK$16,596
+HK$952/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$31,288/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$180,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,377
−HK$884/mo
▼ 0.25% · 3.875%
HK$16,816
−HK$445/mo
Today · 4.125%
HK$17,261
baseline
▲ 0.50% · 4.625%
HK$18,171
+HK$910/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$34,522/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$180,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,665
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$18,214
−HK$559/mo
Today · 4.125%
HK$18,773
baseline
▲ 0.50% · 4.625%
HK$19,915
+HK$1,142/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$37,546/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$180,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,652
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$20,179
−HK$535/mo
Today · 4.125%
HK$20,714
baseline
▲ 0.50% · 4.625%
HK$21,806
+HK$1,092/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$41,428/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$180,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,609
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,250
−HK$651/mo
Today · 4.125%
HK$21,901
baseline
▲ 0.50% · 4.625%
HK$23,234
+HK$1,333/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$43,802/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$180,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,927
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,542
−HK$624/mo
Today · 4.125%
HK$24,166
baseline
▲ 0.50% · 4.625%
HK$25,440
+HK$1,274/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$48,332/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$180,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,497
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$27,321
−HK$838/mo
Today · 4.125%
HK$28,159
baseline
▲ 0.50% · 4.625%
HK$29,872
+HK$1,713/mo
Deposit HK$646K · loan HK$5.81M · min. income ≈ HK$56,318/mo (50% DSR)
Upfront cash ≈ HK$826K (deposit + AVD stamp duty HK$180,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,478
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,269
−HK$802/mo
Today · 4.125%
HK$31,071
baseline
▲ 0.50% · 4.625%
HK$32,708
+HK$1,637/mo
Deposit HK$646K · loan HK$5.81M · min. income ≈ HK$62,142/mo (50% DSR)
Upfront cash ≈ HK$826K (deposit + AVD stamp duty HK$180,573 · 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).