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$14,713
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,171
−HK$465/mo
Today · 4.125%
HK$15,636
baseline
▲ 0.50% · 4.625%
HK$16,587
+HK$951/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$31,272/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$180,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,368
−HK$884/mo
▼ 0.25% · 3.875%
HK$16,807
−HK$445/mo
Today · 4.125%
HK$17,252
baseline
▲ 0.50% · 4.625%
HK$18,162
+HK$910/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$180,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,656
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$18,205
−HK$558/mo
Today · 4.125%
HK$18,763
baseline
▲ 0.50% · 4.625%
HK$19,904
+HK$1,141/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$37,526/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$180,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,642
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$20,168
−HK$535/mo
Today · 4.125%
HK$20,703
baseline
▲ 0.50% · 4.625%
HK$21,794
+HK$1,091/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$41,406/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$180,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,598
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,239
−HK$651/mo
Today · 4.125%
HK$21,890
baseline
▲ 0.50% · 4.625%
HK$23,222
+HK$1,332/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$43,780/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$180,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,915
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$23,530
−HK$623/mo
Today · 4.125%
HK$24,153
baseline
▲ 0.50% · 4.625%
HK$25,426
+HK$1,273/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$48,306/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$180,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,483
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$27,307
−HK$837/mo
Today · 4.125%
HK$28,144
baseline
▲ 0.50% · 4.625%
HK$29,857
+HK$1,713/mo
Deposit HK$645K · loan HK$5.81M · min. income ≈ HK$56,288/mo (50% DSR)
Upfront cash ≈ HK$825K (deposit + AVD stamp duty HK$180,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,463
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$30,253
−HK$801/mo
Today · 4.125%
HK$31,054
baseline
▲ 0.50% · 4.625%
HK$32,691
+HK$1,637/mo
Deposit HK$645K · loan HK$5.81M · min. income ≈ HK$62,108/mo (50% DSR)
Upfront cash ≈ HK$825K (deposit + AVD stamp duty HK$180,235 · 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).