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$14,728
−HK$924/mo
▼ 0.25% · 3.875%
HK$15,187
−HK$465/mo
Today · 4.125%
HK$15,652
baseline
▲ 0.50% · 4.625%
HK$16,604
+HK$952/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$31,304/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$180,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,385
−HK$885/mo
▼ 0.25% · 3.875%
HK$16,825
−HK$445/mo
Today · 4.125%
HK$17,270
baseline
▲ 0.50% · 4.625%
HK$18,181
+HK$911/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$34,540/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$180,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,674
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$18,224
−HK$558/mo
Today · 4.125%
HK$18,782
baseline
▲ 0.50% · 4.625%
HK$19,925
+HK$1,143/mo
Deposit HK$2.58M · loan HK$3.88M · min. income ≈ HK$37,564/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$180,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,662
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$20,190
−HK$535/mo
Today · 4.125%
HK$20,725
baseline
▲ 0.50% · 4.625%
HK$21,817
+HK$1,092/mo
Deposit HK$2.58M · loan HK$3.88M · min. income ≈ HK$41,450/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$180,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,620
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$21,261
−HK$652/mo
Today · 4.125%
HK$21,913
baseline
▲ 0.50% · 4.625%
HK$23,246
+HK$1,333/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$43,826/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$180,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,939
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$23,554
−HK$625/mo
Today · 4.125%
HK$24,179
baseline
▲ 0.50% · 4.625%
HK$25,453
+HK$1,274/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$48,358/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$180,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,511
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$27,336
−HK$838/mo
Today · 4.125%
HK$28,174
baseline
▲ 0.50% · 4.625%
HK$29,888
+HK$1,714/mo
Deposit HK$646K · loan HK$5.81M · min. income ≈ HK$56,348/mo (50% DSR)
Upfront cash ≈ HK$827K (deposit + AVD stamp duty HK$180,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,493
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$30,284
−HK$803/mo
Today · 4.125%
HK$31,087
baseline
▲ 0.50% · 4.625%
HK$32,725
+HK$1,638/mo
Deposit HK$646K · loan HK$5.81M · min. income ≈ HK$62,174/mo (50% DSR)
Upfront cash ≈ HK$827K (deposit + AVD stamp duty HK$180,909 · 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).