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$14,717
−HK$922/mo
▼ 0.25% · 3.875%
HK$15,174
−HK$465/mo
Today · 4.125%
HK$15,639
baseline
▲ 0.50% · 4.625%
HK$16,591
+HK$952/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$31,278/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$180,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,372
−HK$885/mo
▼ 0.25% · 3.875%
HK$16,811
−HK$446/mo
Today · 4.125%
HK$17,257
baseline
▲ 0.50% · 4.625%
HK$18,166
+HK$909/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$34,514/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$180,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,660
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$18,209
−HK$558/mo
Today · 4.125%
HK$18,767
baseline
▲ 0.50% · 4.625%
HK$19,909
+HK$1,142/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$37,534/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$180,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,646
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$20,173
−HK$535/mo
Today · 4.125%
HK$20,708
baseline
▲ 0.50% · 4.625%
HK$21,799
+HK$1,091/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$41,416/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$180,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,603
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,244
−HK$651/mo
Today · 4.125%
HK$21,895
baseline
▲ 0.50% · 4.625%
HK$23,227
+HK$1,332/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$43,790/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$180,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,921
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$23,536
−HK$623/mo
Today · 4.125%
HK$24,159
baseline
▲ 0.50% · 4.625%
HK$25,433
+HK$1,274/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$48,318/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$180,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,490
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$27,314
−HK$837/mo
Today · 4.125%
HK$28,151
baseline
▲ 0.50% · 4.625%
HK$29,864
+HK$1,713/mo
Deposit HK$645K · loan HK$5.81M · min. income ≈ HK$56,302/mo (50% DSR)
Upfront cash ≈ HK$826K (deposit + AVD stamp duty HK$180,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,470
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$30,260
−HK$802/mo
Today · 4.125%
HK$31,062
baseline
▲ 0.50% · 4.625%
HK$32,699
+HK$1,637/mo
Deposit HK$645K · loan HK$5.81M · min. income ≈ HK$62,124/mo (50% DSR)
Upfront cash ≈ HK$826K (deposit + AVD stamp duty HK$180,392 · 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).