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$14,748
−HK$924/mo
▼ 0.25% · 3.875%
HK$15,206
−HK$466/mo
Today · 4.125%
HK$15,672
baseline
▲ 0.50% · 4.625%
HK$16,626
+HK$954/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$31,344/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$181,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,407
−HK$886/mo
▼ 0.25% · 3.875%
HK$16,847
−HK$446/mo
Today · 4.125%
HK$17,293
baseline
▲ 0.50% · 4.625%
HK$18,205
+HK$912/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$34,586/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$181,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,697
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$18,248
−HK$559/mo
Today · 4.125%
HK$18,807
baseline
▲ 0.50% · 4.625%
HK$19,951
+HK$1,144/mo
Deposit HK$2.59M · loan HK$3.88M · min. income ≈ HK$37,614/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$181,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,688
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$20,216
−HK$536/mo
Today · 4.125%
HK$20,752
baseline
▲ 0.50% · 4.625%
HK$21,845
+HK$1,093/mo
Deposit HK$2.59M · loan HK$3.88M · min. income ≈ HK$41,504/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$181,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,647
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$21,289
−HK$652/mo
Today · 4.125%
HK$21,941
baseline
▲ 0.50% · 4.625%
HK$23,277
+HK$1,336/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$43,882/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$181,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,969
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$23,585
−HK$625/mo
Today · 4.125%
HK$24,210
baseline
▲ 0.50% · 4.625%
HK$25,486
+HK$1,276/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$48,420/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$181,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,546
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,371
−HK$839/mo
Today · 4.125%
HK$28,210
baseline
▲ 0.50% · 4.625%
HK$29,927
+HK$1,717/mo
Deposit HK$647K · loan HK$5.82M · min. income ≈ HK$56,420/mo (50% DSR)
Upfront cash ≈ HK$829K (deposit + AVD stamp duty HK$181,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,532
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$30,324
−HK$803/mo
Today · 4.125%
HK$31,127
baseline
▲ 0.50% · 4.625%
HK$32,768
+HK$1,641/mo
Deposit HK$647K · loan HK$5.82M · min. income ≈ HK$62,254/mo (50% DSR)
Upfront cash ≈ HK$829K (deposit + AVD stamp duty HK$181,754 · 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).