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$14,736
−HK$924/mo
▼ 0.25% · 3.875%
HK$15,194
−HK$466/mo
Today · 4.125%
HK$15,660
baseline
▲ 0.50% · 4.625%
HK$16,613
+HK$953/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$31,320/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$181,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,394
−HK$885/mo
▼ 0.25% · 3.875%
HK$16,833
−HK$446/mo
Today · 4.125%
HK$17,279
baseline
▲ 0.50% · 4.625%
HK$18,190
+HK$911/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$34,558/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$181,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,683
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$18,233
−HK$559/mo
Today · 4.125%
HK$18,792
baseline
▲ 0.50% · 4.625%
HK$19,936
+HK$1,144/mo
Deposit HK$2.58M · loan HK$3.88M · min. income ≈ HK$37,584/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$181,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,673
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$20,200
−HK$535/mo
Today · 4.125%
HK$20,735
baseline
▲ 0.50% · 4.625%
HK$21,828
+HK$1,093/mo
Deposit HK$2.58M · loan HK$3.88M · min. income ≈ HK$41,470/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$181,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,631
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$21,272
−HK$652/mo
Today · 4.125%
HK$21,924
baseline
▲ 0.50% · 4.625%
HK$23,258
+HK$1,334/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$43,848/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$181,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,951
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$23,567
−HK$624/mo
Today · 4.125%
HK$24,191
baseline
▲ 0.50% · 4.625%
HK$25,466
+HK$1,275/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$48,382/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$181,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,525
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$27,350
−HK$838/mo
Today · 4.125%
HK$28,188
baseline
▲ 0.50% · 4.625%
HK$29,904
+HK$1,716/mo
Deposit HK$646K · loan HK$5.82M · min. income ≈ HK$56,376/mo (50% DSR)
Upfront cash ≈ HK$827K (deposit + AVD stamp duty HK$181,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,509
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$30,300
−HK$803/mo
Today · 4.125%
HK$31,103
baseline
▲ 0.50% · 4.625%
HK$32,743
+HK$1,640/mo
Deposit HK$646K · loan HK$5.82M · min. income ≈ HK$62,206/mo (50% DSR)
Upfront cash ≈ HK$827K (deposit + AVD stamp duty HK$181,248 · 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).