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$14,712
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,170
−HK$465/mo
Today · 4.125%
HK$15,635
baseline
▲ 0.50% · 4.625%
HK$16,586
+HK$951/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$31,270/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$180,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,367
−HK$885/mo
▼ 0.25% · 3.875%
HK$16,806
−HK$446/mo
Today · 4.125%
HK$17,252
baseline
▲ 0.50% · 4.625%
HK$18,161
+HK$909/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$34,504/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$180,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,655
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$18,204
−HK$558/mo
Today · 4.125%
HK$18,762
baseline
▲ 0.50% · 4.625%
HK$19,904
+HK$1,142/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$37,524/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$180,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,641
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$20,168
−HK$534/mo
Today · 4.125%
HK$20,702
baseline
▲ 0.50% · 4.625%
HK$21,793
+HK$1,091/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$41,404/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$180,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,597
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,238
−HK$651/mo
Today · 4.125%
HK$21,889
baseline
▲ 0.50% · 4.625%
HK$23,221
+HK$1,332/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$43,778/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$180,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,914
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$23,529
−HK$623/mo
Today · 4.125%
HK$24,152
baseline
▲ 0.50% · 4.625%
HK$25,425
+HK$1,273/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$48,304/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$180,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,482
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$27,306
−HK$837/mo
Today · 4.125%
HK$28,143
baseline
▲ 0.50% · 4.625%
HK$29,855
+HK$1,712/mo
Deposit HK$645K · loan HK$5.81M · min. income ≈ HK$56,286/mo (50% DSR)
Upfront cash ≈ HK$825K (deposit + AVD stamp duty HK$180,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,461
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$30,251
−HK$802/mo
Today · 4.125%
HK$31,053
baseline
▲ 0.50% · 4.625%
HK$32,690
+HK$1,637/mo
Deposit HK$645K · loan HK$5.81M · min. income ≈ HK$62,106/mo (50% DSR)
Upfront cash ≈ HK$825K (deposit + AVD stamp duty HK$180,207 · 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).