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$14,711
−HK$922/mo
▼ 0.25% · 3.875%
HK$15,169
−HK$464/mo
Today · 4.125%
HK$15,633
baseline
▲ 0.50% · 4.625%
HK$16,585
+HK$952/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$31,266/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$180,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,366
−HK$884/mo
▼ 0.25% · 3.875%
HK$16,805
−HK$445/mo
Today · 4.125%
HK$17,250
baseline
▲ 0.50% · 4.625%
HK$18,159
+HK$909/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$34,500/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$180,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,653
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$18,202
−HK$558/mo
Today · 4.125%
HK$18,760
baseline
▲ 0.50% · 4.625%
HK$19,902
+HK$1,142/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$37,520/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$180,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,639
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$20,166
−HK$534/mo
Today · 4.125%
HK$20,700
baseline
▲ 0.50% · 4.625%
HK$21,791
+HK$1,091/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$41,400/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$180,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,595
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,236
−HK$651/mo
Today · 4.125%
HK$21,887
baseline
▲ 0.50% · 4.625%
HK$23,219
+HK$1,332/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$43,774/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$180,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,912
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$23,527
−HK$623/mo
Today · 4.125%
HK$24,150
baseline
▲ 0.50% · 4.625%
HK$25,423
+HK$1,273/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$48,300/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$180,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,480
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,303
−HK$837/mo
Today · 4.125%
HK$28,140
baseline
▲ 0.50% · 4.625%
HK$29,853
+HK$1,713/mo
Deposit HK$645K · loan HK$5.81M · min. income ≈ HK$56,280/mo (50% DSR)
Upfront cash ≈ HK$825K (deposit + AVD stamp duty HK$180,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,458
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$30,249
−HK$801/mo
Today · 4.125%
HK$31,050
baseline
▲ 0.50% · 4.625%
HK$32,687
+HK$1,637/mo
Deposit HK$645K · loan HK$5.81M · min. income ≈ HK$62,100/mo (50% DSR)
Upfront cash ≈ HK$825K (deposit + AVD stamp duty HK$180,146 · 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).