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$14,727
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,185
−HK$465/mo
Today · 4.125%
HK$15,650
baseline
▲ 0.50% · 4.625%
HK$16,603
+HK$953/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$31,300/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$180,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,384
−HK$885/mo
▼ 0.25% · 3.875%
HK$16,823
−HK$446/mo
Today · 4.125%
HK$17,269
baseline
▲ 0.50% · 4.625%
HK$18,179
+HK$910/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$34,538/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$180,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,672
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$18,222
−HK$559/mo
Today · 4.125%
HK$18,781
baseline
▲ 0.50% · 4.625%
HK$19,923
+HK$1,142/mo
Deposit HK$2.58M · loan HK$3.88M · min. income ≈ HK$37,562/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$180,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,660
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$20,188
−HK$534/mo
Today · 4.125%
HK$20,722
baseline
▲ 0.50% · 4.625%
HK$21,815
+HK$1,093/mo
Deposit HK$2.58M · loan HK$3.88M · min. income ≈ HK$41,444/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$180,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,618
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$21,259
−HK$652/mo
Today · 4.125%
HK$21,911
baseline
▲ 0.50% · 4.625%
HK$23,244
+HK$1,333/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$43,822/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$180,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,937
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,552
−HK$624/mo
Today · 4.125%
HK$24,176
baseline
▲ 0.50% · 4.625%
HK$25,451
+HK$1,275/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$48,352/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$180,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,509
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$27,333
−HK$838/mo
Today · 4.125%
HK$28,171
baseline
▲ 0.50% · 4.625%
HK$29,885
+HK$1,714/mo
Deposit HK$646K · loan HK$5.81M · min. income ≈ HK$56,342/mo (50% DSR)
Upfront cash ≈ HK$827K (deposit + AVD stamp duty HK$180,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,490
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$30,281
−HK$803/mo
Today · 4.125%
HK$31,084
baseline
▲ 0.50% · 4.625%
HK$32,722
+HK$1,638/mo
Deposit HK$646K · loan HK$5.81M · min. income ≈ HK$62,168/mo (50% DSR)
Upfront cash ≈ HK$827K (deposit + AVD stamp duty HK$180,846 · 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).