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$14,722
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,179
−HK$466/mo
Today · 4.125%
HK$15,645
baseline
▲ 0.50% · 4.625%
HK$16,597
+HK$952/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$31,290/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$180,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,378
−HK$884/mo
▼ 0.25% · 3.875%
HK$16,817
−HK$445/mo
Today · 4.125%
HK$17,262
baseline
▲ 0.50% · 4.625%
HK$18,172
+HK$910/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$34,524/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$180,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,666
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$18,215
−HK$559/mo
Today · 4.125%
HK$18,774
baseline
▲ 0.50% · 4.625%
HK$19,916
+HK$1,142/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$37,548/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$180,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,653
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$20,180
−HK$535/mo
Today · 4.125%
HK$20,715
baseline
▲ 0.50% · 4.625%
HK$21,807
+HK$1,092/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$41,430/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$180,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,610
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$21,251
−HK$652/mo
Today · 4.125%
HK$21,903
baseline
▲ 0.50% · 4.625%
HK$23,235
+HK$1,332/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$43,806/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$180,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,929
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$23,544
−HK$623/mo
Today · 4.125%
HK$24,167
baseline
▲ 0.50% · 4.625%
HK$25,441
+HK$1,274/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$48,334/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$180,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,499
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$27,323
−HK$837/mo
Today · 4.125%
HK$28,160
baseline
▲ 0.50% · 4.625%
HK$29,874
+HK$1,714/mo
Deposit HK$646K · loan HK$5.81M · min. income ≈ HK$56,320/mo (50% DSR)
Upfront cash ≈ HK$826K (deposit + AVD stamp duty HK$180,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,480
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$30,270
−HK$802/mo
Today · 4.125%
HK$31,072
baseline
▲ 0.50% · 4.625%
HK$32,710
+HK$1,638/mo
Deposit HK$646K · loan HK$5.81M · min. income ≈ HK$62,144/mo (50% DSR)
Upfront cash ≈ HK$826K (deposit + AVD stamp duty HK$180,609 · 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).