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$180,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,377
−HK$885/mo
▼ 0.25% · 3.875%
HK$16,816
−HK$446/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$180,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,665
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$18,215
−HK$558/mo
Today · 4.125%
HK$18,773
baseline
▲ 0.50% · 4.625%
HK$19,916
+HK$1,143/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$180,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,653
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$20,180
−HK$534/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$180,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,610
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,251
−HK$651/mo
Today · 4.125%
HK$21,902
baseline
▲ 0.50% · 4.625%
HK$23,235
+HK$1,333/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$43,804/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$180,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,928
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,543
−HK$624/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$180,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,498
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$27,322
−HK$838/mo
Today · 4.125%
HK$28,160
baseline
▲ 0.50% · 4.625%
HK$29,873
+HK$1,713/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$180,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,479
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,270
−HK$802/mo
Today · 4.125%
HK$31,072
baseline
▲ 0.50% · 4.625%
HK$32,709
+HK$1,637/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$180,596 · 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).