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$14,725
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,183
−HK$465/mo
Today · 4.125%
HK$15,648
baseline
▲ 0.50% · 4.625%
HK$16,600
+HK$952/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$31,296/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$180,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,381
−HK$885/mo
▼ 0.25% · 3.875%
HK$16,821
−HK$445/mo
Today · 4.125%
HK$17,266
baseline
▲ 0.50% · 4.625%
HK$18,176
+HK$910/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$34,532/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$180,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,670
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$18,220
−HK$558/mo
Today · 4.125%
HK$18,778
baseline
▲ 0.50% · 4.625%
HK$19,921
+HK$1,143/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$37,556/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$180,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,658
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$20,185
−HK$535/mo
Today · 4.125%
HK$20,720
baseline
▲ 0.50% · 4.625%
HK$21,812
+HK$1,092/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$41,440/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$180,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,615
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$21,256
−HK$652/mo
Today · 4.125%
HK$21,908
baseline
▲ 0.50% · 4.625%
HK$23,241
+HK$1,333/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$43,816/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$180,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,934
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,549
−HK$624/mo
Today · 4.125%
HK$24,173
baseline
▲ 0.50% · 4.625%
HK$25,447
+HK$1,274/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$48,346/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$180,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,505
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$27,329
−HK$838/mo
Today · 4.125%
HK$28,167
baseline
▲ 0.50% · 4.625%
HK$29,881
+HK$1,714/mo
Deposit HK$646K · loan HK$5.81M · min. income ≈ HK$56,334/mo (50% DSR)
Upfront cash ≈ HK$827K (deposit + AVD stamp duty HK$180,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,486
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,277
−HK$802/mo
Today · 4.125%
HK$31,079
baseline
▲ 0.50% · 4.625%
HK$32,718
+HK$1,639/mo
Deposit HK$646K · loan HK$5.81M · min. income ≈ HK$62,158/mo (50% DSR)
Upfront cash ≈ HK$827K (deposit + AVD stamp duty HK$180,757 · 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).