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$14,724
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,182
−HK$465/mo
Today · 4.125%
HK$15,647
baseline
▲ 0.50% · 4.625%
HK$16,599
+HK$952/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$31,294/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$180,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,380
−HK$885/mo
▼ 0.25% · 3.875%
HK$16,820
−HK$445/mo
Today · 4.125%
HK$17,265
baseline
▲ 0.50% · 4.625%
HK$18,175
+HK$910/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$34,530/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$180,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,669
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$18,218
−HK$559/mo
Today · 4.125%
HK$18,777
baseline
▲ 0.50% · 4.625%
HK$19,919
+HK$1,142/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$37,554/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$180,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,656
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$20,184
−HK$534/mo
Today · 4.125%
HK$20,718
baseline
▲ 0.50% · 4.625%
HK$21,810
+HK$1,092/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$41,436/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$180,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,614
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,255
−HK$651/mo
Today · 4.125%
HK$21,906
baseline
▲ 0.50% · 4.625%
HK$23,239
+HK$1,333/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$43,812/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$180,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,932
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,548
−HK$623/mo
Today · 4.125%
HK$24,171
baseline
▲ 0.50% · 4.625%
HK$25,446
+HK$1,275/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$48,342/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$180,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,503
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$27,328
−HK$837/mo
Today · 4.125%
HK$28,165
baseline
▲ 0.50% · 4.625%
HK$29,879
+HK$1,714/mo
Deposit HK$646K · loan HK$5.81M · min. income ≈ HK$56,330/mo (50% DSR)
Upfront cash ≈ HK$826K (deposit + AVD stamp duty HK$180,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,485
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,275
−HK$803/mo
Today · 4.125%
HK$31,078
baseline
▲ 0.50% · 4.625%
HK$32,716
+HK$1,638/mo
Deposit HK$646K · loan HK$5.81M · min. income ≈ HK$62,156/mo (50% DSR)
Upfront cash ≈ HK$826K (deposit + AVD stamp duty HK$180,719 · 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).