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$14,732
−HK$924/mo
▼ 0.25% · 3.875%
HK$15,191
−HK$465/mo
Today · 4.125%
HK$15,656
baseline
▲ 0.50% · 4.625%
HK$16,609
+HK$953/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$31,312/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$181,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,390
−HK$885/mo
▼ 0.25% · 3.875%
HK$16,829
−HK$446/mo
Today · 4.125%
HK$17,275
baseline
▲ 0.50% · 4.625%
HK$18,186
+HK$911/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$34,550/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$181,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,679
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$18,229
−HK$558/mo
Today · 4.125%
HK$18,787
baseline
▲ 0.50% · 4.625%
HK$19,931
+HK$1,144/mo
Deposit HK$2.58M · loan HK$3.88M · min. income ≈ HK$37,574/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$181,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,667
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$20,195
−HK$535/mo
Today · 4.125%
HK$20,730
baseline
▲ 0.50% · 4.625%
HK$21,823
+HK$1,093/mo
Deposit HK$2.58M · loan HK$3.88M · min. income ≈ HK$41,460/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$181,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,625
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$21,267
−HK$652/mo
Today · 4.125%
HK$21,919
baseline
▲ 0.50% · 4.625%
HK$23,252
+HK$1,333/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$43,838/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$181,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,945
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$23,561
−HK$624/mo
Today · 4.125%
HK$24,185
baseline
▲ 0.50% · 4.625%
HK$25,460
+HK$1,275/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$48,370/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$181,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,518
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$27,343
−HK$838/mo
Today · 4.125%
HK$28,181
baseline
▲ 0.50% · 4.625%
HK$29,896
+HK$1,715/mo
Deposit HK$646K · loan HK$5.81M · min. income ≈ HK$56,362/mo (50% DSR)
Upfront cash ≈ HK$827K (deposit + AVD stamp duty HK$181,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,501
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$30,292
−HK$803/mo
Today · 4.125%
HK$31,095
baseline
▲ 0.50% · 4.625%
HK$32,734
+HK$1,639/mo
Deposit HK$646K · loan HK$5.81M · min. income ≈ HK$62,190/mo (50% DSR)
Upfront cash ≈ HK$827K (deposit + AVD stamp duty HK$181,082 · 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).