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$923/mo
▼ 0.25% · 3.875%
HK$15,175
−HK$465/mo
Today · 4.125%
HK$15,640
baseline
▲ 0.50% · 4.625%
HK$16,592
+HK$952/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$31,280/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$180,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,373
−HK$885/mo
▼ 0.25% · 3.875%
HK$16,812
−HK$446/mo
Today · 4.125%
HK$17,258
baseline
▲ 0.50% · 4.625%
HK$18,167
+HK$909/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$34,516/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$180,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,661
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$18,210
−HK$558/mo
Today · 4.125%
HK$18,768
baseline
▲ 0.50% · 4.625%
HK$19,910
+HK$1,142/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$37,536/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$180,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,648
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$20,175
−HK$534/mo
Today · 4.125%
HK$20,709
baseline
▲ 0.50% · 4.625%
HK$21,801
+HK$1,092/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$41,418/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$180,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,604
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,245
−HK$651/mo
Today · 4.125%
HK$21,896
baseline
▲ 0.50% · 4.625%
HK$23,229
+HK$1,333/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$43,792/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$180,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,922
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,537
−HK$624/mo
Today · 4.125%
HK$24,161
baseline
▲ 0.50% · 4.625%
HK$25,434
+HK$1,273/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$48,322/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$180,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,491
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$27,315
−HK$838/mo
Today · 4.125%
HK$28,153
baseline
▲ 0.50% · 4.625%
HK$29,866
+HK$1,713/mo
Deposit HK$645K · loan HK$5.81M · min. income ≈ HK$56,306/mo (50% DSR)
Upfront cash ≈ HK$826K (deposit + AVD stamp duty HK$180,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,471
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,262
−HK$802/mo
Today · 4.125%
HK$31,064
baseline
▲ 0.50% · 4.625%
HK$32,701
+HK$1,637/mo
Deposit HK$645K · loan HK$5.81M · min. income ≈ HK$62,128/mo (50% DSR)
Upfront cash ≈ HK$826K (deposit + AVD stamp duty HK$180,430 · 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).