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$14,739
−HK$924/mo
▼ 0.25% · 3.875%
HK$15,197
−HK$466/mo
Today · 4.125%
HK$15,663
baseline
▲ 0.50% · 4.625%
HK$16,616
+HK$953/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$31,326/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$181,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,396
−HK$886/mo
▼ 0.25% · 3.875%
HK$16,836
−HK$446/mo
Today · 4.125%
HK$17,282
baseline
▲ 0.50% · 4.625%
HK$18,193
+HK$911/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$34,564/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$181,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,686
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$18,236
−HK$559/mo
Today · 4.125%
HK$18,795
baseline
▲ 0.50% · 4.625%
HK$19,939
+HK$1,144/mo
Deposit HK$2.59M · loan HK$3.88M · min. income ≈ HK$37,590/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$181,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,676
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$20,203
−HK$536/mo
Today · 4.125%
HK$20,739
baseline
▲ 0.50% · 4.625%
HK$21,832
+HK$1,093/mo
Deposit HK$2.59M · loan HK$3.88M · min. income ≈ HK$41,478/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$181,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,634
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$21,276
−HK$652/mo
Today · 4.125%
HK$21,928
baseline
▲ 0.50% · 4.625%
HK$23,262
+HK$1,334/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$43,856/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$181,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,955
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$23,571
−HK$624/mo
Today · 4.125%
HK$24,195
baseline
▲ 0.50% · 4.625%
HK$25,471
+HK$1,276/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$48,390/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$181,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,529
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,355
−HK$838/mo
Today · 4.125%
HK$28,193
baseline
▲ 0.50% · 4.625%
HK$29,909
+HK$1,716/mo
Deposit HK$646K · loan HK$5.82M · min. income ≈ HK$56,386/mo (50% DSR)
Upfront cash ≈ HK$828K (deposit + AVD stamp duty HK$181,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,514
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$30,305
−HK$803/mo
Today · 4.125%
HK$31,108
baseline
▲ 0.50% · 4.625%
HK$32,748
+HK$1,640/mo
Deposit HK$646K · loan HK$5.82M · min. income ≈ HK$62,216/mo (50% DSR)
Upfront cash ≈ HK$828K (deposit + AVD stamp duty HK$181,356 · 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).