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$14,749
−HK$925/mo
▼ 0.25% · 3.875%
HK$15,207
−HK$467/mo
Today · 4.125%
HK$15,674
baseline
▲ 0.50% · 4.625%
HK$16,627
+HK$953/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$31,348/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$181,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,408
−HK$886/mo
▼ 0.25% · 3.875%
HK$16,848
−HK$446/mo
Today · 4.125%
HK$17,294
baseline
▲ 0.50% · 4.625%
HK$18,206
+HK$912/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$34,588/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$181,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,698
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$18,249
−HK$559/mo
Today · 4.125%
HK$18,808
baseline
▲ 0.50% · 4.625%
HK$19,953
+HK$1,145/mo
Deposit HK$2.59M · loan HK$3.88M · min. income ≈ HK$37,616/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$181,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,689
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$20,217
−HK$536/mo
Today · 4.125%
HK$20,753
baseline
▲ 0.50% · 4.625%
HK$21,847
+HK$1,094/mo
Deposit HK$2.59M · loan HK$3.88M · min. income ≈ HK$41,506/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$181,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,648
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$21,290
−HK$653/mo
Today · 4.125%
HK$21,943
baseline
▲ 0.50% · 4.625%
HK$23,278
+HK$1,335/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$43,886/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$181,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,971
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$23,587
−HK$625/mo
Today · 4.125%
HK$24,212
baseline
▲ 0.50% · 4.625%
HK$25,488
+HK$1,276/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$48,424/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$181,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,548
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,373
−HK$839/mo
Today · 4.125%
HK$28,212
baseline
▲ 0.50% · 4.625%
HK$29,929
+HK$1,717/mo
Deposit HK$647K · loan HK$5.82M · min. income ≈ HK$56,424/mo (50% DSR)
Upfront cash ≈ HK$829K (deposit + AVD stamp duty HK$181,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,534
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,326
−HK$804/mo
Today · 4.125%
HK$31,130
baseline
▲ 0.50% · 4.625%
HK$32,770
+HK$1,640/mo
Deposit HK$647K · loan HK$5.82M · min. income ≈ HK$62,260/mo (50% DSR)
Upfront cash ≈ HK$829K (deposit + AVD stamp duty HK$181,799 · 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).