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$14,751
−HK$925/mo
▼ 0.25% · 3.875%
HK$15,210
−HK$466/mo
Today · 4.125%
HK$15,676
baseline
▲ 0.50% · 4.625%
HK$16,630
+HK$954/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$31,352/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$181,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,411
−HK$886/mo
▼ 0.25% · 3.875%
HK$16,851
−HK$446/mo
Today · 4.125%
HK$17,297
baseline
▲ 0.50% · 4.625%
HK$18,209
+HK$912/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$34,594/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$181,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,702
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$18,252
−HK$560/mo
Today · 4.125%
HK$18,812
baseline
▲ 0.50% · 4.625%
HK$19,956
+HK$1,144/mo
Deposit HK$2.59M · loan HK$3.88M · min. income ≈ HK$37,624/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$181,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,693
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$20,221
−HK$536/mo
Today · 4.125%
HK$20,757
baseline
▲ 0.50% · 4.625%
HK$21,851
+HK$1,094/mo
Deposit HK$2.59M · loan HK$3.88M · min. income ≈ HK$41,514/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$181,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,652
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$21,294
−HK$653/mo
Today · 4.125%
HK$21,947
baseline
▲ 0.50% · 4.625%
HK$23,282
+HK$1,335/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$43,894/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$181,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,975
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$23,591
−HK$625/mo
Today · 4.125%
HK$24,216
baseline
▲ 0.50% · 4.625%
HK$25,493
+HK$1,277/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$48,432/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$181,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,552
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$27,378
−HK$840/mo
Today · 4.125%
HK$28,218
baseline
▲ 0.50% · 4.625%
HK$29,935
+HK$1,717/mo
Deposit HK$647K · loan HK$5.82M · min. income ≈ HK$56,436/mo (50% DSR)
Upfront cash ≈ HK$829K (deposit + AVD stamp duty HK$181,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,539
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,332
−HK$803/mo
Today · 4.125%
HK$31,135
baseline
▲ 0.50% · 4.625%
HK$32,776
+HK$1,641/mo
Deposit HK$647K · loan HK$5.82M · min. income ≈ HK$62,270/mo (50% DSR)
Upfront cash ≈ HK$829K (deposit + AVD stamp duty HK$181,918 · 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).