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$14,730
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,188
−HK$465/mo
Today · 4.125%
HK$15,653
baseline
▲ 0.50% · 4.625%
HK$16,606
+HK$953/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$31,306/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$180,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,387
−HK$885/mo
▼ 0.25% · 3.875%
HK$16,826
−HK$446/mo
Today · 4.125%
HK$17,272
baseline
▲ 0.50% · 4.625%
HK$18,183
+HK$911/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$34,544/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$180,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,676
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$18,226
−HK$558/mo
Today · 4.125%
HK$18,784
baseline
▲ 0.50% · 4.625%
HK$19,927
+HK$1,143/mo
Deposit HK$2.58M · loan HK$3.88M · min. income ≈ HK$37,568/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$180,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,664
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$20,191
−HK$536/mo
Today · 4.125%
HK$20,727
baseline
▲ 0.50% · 4.625%
HK$21,819
+HK$1,092/mo
Deposit HK$2.58M · loan HK$3.88M · min. income ≈ HK$41,454/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$180,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,622
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$21,263
−HK$652/mo
Today · 4.125%
HK$21,915
baseline
▲ 0.50% · 4.625%
HK$23,248
+HK$1,333/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$43,830/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$180,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,941
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$23,557
−HK$624/mo
Today · 4.125%
HK$24,181
baseline
▲ 0.50% · 4.625%
HK$25,456
+HK$1,275/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$48,362/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$180,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,514
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$27,338
−HK$838/mo
Today · 4.125%
HK$28,176
baseline
▲ 0.50% · 4.625%
HK$29,891
+HK$1,715/mo
Deposit HK$646K · loan HK$5.81M · min. income ≈ HK$56,352/mo (50% DSR)
Upfront cash ≈ HK$827K (deposit + AVD stamp duty HK$180,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,496
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$30,287
−HK$803/mo
Today · 4.125%
HK$31,090
baseline
▲ 0.50% · 4.625%
HK$32,729
+HK$1,639/mo
Deposit HK$646K · loan HK$5.81M · min. income ≈ HK$62,180/mo (50% DSR)
Upfront cash ≈ HK$827K (deposit + AVD stamp duty HK$180,972 · 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).