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$14,737
−HK$924/mo
▼ 0.25% · 3.875%
HK$15,196
−HK$465/mo
Today · 4.125%
HK$15,661
baseline
▲ 0.50% · 4.625%
HK$16,614
+HK$953/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$31,322/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$181,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,395
−HK$886/mo
▼ 0.25% · 3.875%
HK$16,835
−HK$446/mo
Today · 4.125%
HK$17,281
baseline
▲ 0.50% · 4.625%
HK$18,192
+HK$911/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$34,562/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$181,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,685
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$18,235
−HK$559/mo
Today · 4.125%
HK$18,794
baseline
▲ 0.50% · 4.625%
HK$19,937
+HK$1,143/mo
Deposit HK$2.59M · loan HK$3.88M · min. income ≈ HK$37,588/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$181,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,674
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$20,202
−HK$535/mo
Today · 4.125%
HK$20,737
baseline
▲ 0.50% · 4.625%
HK$21,830
+HK$1,093/mo
Deposit HK$2.59M · loan HK$3.88M · min. income ≈ HK$41,474/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$181,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,632
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$21,274
−HK$652/mo
Today · 4.125%
HK$21,926
baseline
▲ 0.50% · 4.625%
HK$23,260
+HK$1,334/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$43,852/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$181,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,953
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$23,569
−HK$624/mo
Today · 4.125%
HK$24,193
baseline
▲ 0.50% · 4.625%
HK$25,469
+HK$1,276/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$48,386/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$181,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,527
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,352
−HK$839/mo
Today · 4.125%
HK$28,191
baseline
▲ 0.50% · 4.625%
HK$29,906
+HK$1,715/mo
Deposit HK$646K · loan HK$5.82M · min. income ≈ HK$56,382/mo (50% DSR)
Upfront cash ≈ HK$828K (deposit + AVD stamp duty HK$181,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,511
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$30,303
−HK$803/mo
Today · 4.125%
HK$31,106
baseline
▲ 0.50% · 4.625%
HK$32,745
+HK$1,639/mo
Deposit HK$646K · loan HK$5.82M · min. income ≈ HK$62,212/mo (50% DSR)
Upfront cash ≈ HK$828K (deposit + AVD stamp duty HK$181,302 · 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).