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$14,714
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,172
−HK$465/mo
Today · 4.125%
HK$15,637
baseline
▲ 0.50% · 4.625%
HK$16,589
+HK$952/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$31,274/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$180,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,370
−HK$884/mo
▼ 0.25% · 3.875%
HK$16,809
−HK$445/mo
Today · 4.125%
HK$17,254
baseline
▲ 0.50% · 4.625%
HK$18,163
+HK$909/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$34,508/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$180,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,657
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$18,206
−HK$558/mo
Today · 4.125%
HK$18,764
baseline
▲ 0.50% · 4.625%
HK$19,906
+HK$1,142/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$37,528/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$180,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,643
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$20,170
−HK$535/mo
Today · 4.125%
HK$20,705
baseline
▲ 0.50% · 4.625%
HK$21,796
+HK$1,091/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$41,410/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$180,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,600
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,241
−HK$651/mo
Today · 4.125%
HK$21,892
baseline
▲ 0.50% · 4.625%
HK$23,224
+HK$1,332/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$43,784/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$180,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,917
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,532
−HK$624/mo
Today · 4.125%
HK$24,156
baseline
▲ 0.50% · 4.625%
HK$25,429
+HK$1,273/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$48,312/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$180,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,486
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$27,310
−HK$837/mo
Today · 4.125%
HK$28,147
baseline
▲ 0.50% · 4.625%
HK$29,859
+HK$1,712/mo
Deposit HK$645K · loan HK$5.81M · min. income ≈ HK$56,294/mo (50% DSR)
Upfront cash ≈ HK$826K (deposit + AVD stamp duty HK$180,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,465
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$30,255
−HK$802/mo
Today · 4.125%
HK$31,057
baseline
▲ 0.50% · 4.625%
HK$32,694
+HK$1,637/mo
Deposit HK$645K · loan HK$5.81M · min. income ≈ HK$62,114/mo (50% DSR)
Upfront cash ≈ HK$826K (deposit + AVD stamp duty HK$180,294 · 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).