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$14,708
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,166
−HK$465/mo
Today · 4.125%
HK$15,631
baseline
▲ 0.50% · 4.625%
HK$16,582
+HK$951/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$31,262/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$180,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,363
−HK$884/mo
▼ 0.25% · 3.875%
HK$16,802
−HK$445/mo
Today · 4.125%
HK$17,247
baseline
▲ 0.50% · 4.625%
HK$18,156
+HK$909/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$34,494/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$180,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,650
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$18,199
−HK$558/mo
Today · 4.125%
HK$18,757
baseline
▲ 0.50% · 4.625%
HK$19,898
+HK$1,141/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$37,514/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$180,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,635
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$20,162
−HK$534/mo
Today · 4.125%
HK$20,696
baseline
▲ 0.50% · 4.625%
HK$21,787
+HK$1,091/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$41,392/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$180,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,592
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$21,232
−HK$651/mo
Today · 4.125%
HK$21,883
baseline
▲ 0.50% · 4.625%
HK$23,215
+HK$1,332/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$43,766/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$180,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,908
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$23,522
−HK$624/mo
Today · 4.125%
HK$24,146
baseline
▲ 0.50% · 4.625%
HK$25,418
+HK$1,272/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$48,292/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$180,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,475
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,299
−HK$836/mo
Today · 4.125%
HK$28,135
baseline
▲ 0.50% · 4.625%
HK$29,847
+HK$1,712/mo
Deposit HK$645K · loan HK$5.81M · min. income ≈ HK$56,270/mo (50% DSR)
Upfront cash ≈ HK$825K (deposit + AVD stamp duty HK$180,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,453
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$30,243
−HK$802/mo
Today · 4.125%
HK$31,045
baseline
▲ 0.50% · 4.625%
HK$32,681
+HK$1,636/mo
Deposit HK$645K · loan HK$5.81M · min. income ≈ HK$62,090/mo (50% DSR)
Upfront cash ≈ HK$825K (deposit + AVD stamp duty HK$180,032 · 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).