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$14,723
−HK$924/mo
▼ 0.25% · 3.875%
HK$15,181
−HK$466/mo
Today · 4.125%
HK$15,647
baseline
▲ 0.50% · 4.625%
HK$16,599
+HK$952/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$31,294/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$180,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,380
−HK$885/mo
▼ 0.25% · 3.875%
HK$16,819
−HK$446/mo
Today · 4.125%
HK$17,265
baseline
▲ 0.50% · 4.625%
HK$18,175
+HK$910/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$34,530/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$180,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,668
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$18,218
−HK$558/mo
Today · 4.125%
HK$18,776
baseline
▲ 0.50% · 4.625%
HK$19,919
+HK$1,143/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$37,552/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$180,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,656
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$20,183
−HK$535/mo
Today · 4.125%
HK$20,718
baseline
▲ 0.50% · 4.625%
HK$21,810
+HK$1,092/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$41,436/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$180,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,613
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,254
−HK$651/mo
Today · 4.125%
HK$21,905
baseline
▲ 0.50% · 4.625%
HK$23,238
+HK$1,333/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$43,810/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$180,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,932
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,547
−HK$624/mo
Today · 4.125%
HK$24,171
baseline
▲ 0.50% · 4.625%
HK$25,445
+HK$1,274/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$48,342/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$180,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,502
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$27,327
−HK$837/mo
Today · 4.125%
HK$28,164
baseline
▲ 0.50% · 4.625%
HK$29,878
+HK$1,714/mo
Deposit HK$646K · loan HK$5.81M · min. income ≈ HK$56,328/mo (50% DSR)
Upfront cash ≈ HK$826K (deposit + AVD stamp duty HK$180,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,483
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,274
−HK$802/mo
Today · 4.125%
HK$31,076
baseline
▲ 0.50% · 4.625%
HK$32,714
+HK$1,638/mo
Deposit HK$646K · loan HK$5.81M · min. income ≈ HK$62,152/mo (50% DSR)
Upfront cash ≈ HK$826K (deposit + AVD stamp duty HK$180,694 · 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).