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$14,721
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,179
−HK$465/mo
Today · 4.125%
HK$15,644
baseline
▲ 0.50% · 4.625%
HK$16,596
+HK$952/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$31,288/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$180,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,377
−HK$885/mo
▼ 0.25% · 3.875%
HK$16,816
−HK$446/mo
Today · 4.125%
HK$17,262
baseline
▲ 0.50% · 4.625%
HK$18,171
+HK$909/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$34,524/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$180,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,665
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$18,214
−HK$559/mo
Today · 4.125%
HK$18,773
baseline
▲ 0.50% · 4.625%
HK$19,915
+HK$1,142/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$37,546/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$180,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,652
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$20,179
−HK$535/mo
Today · 4.125%
HK$20,714
baseline
▲ 0.50% · 4.625%
HK$21,806
+HK$1,092/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$41,428/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$180,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,609
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$21,250
−HK$652/mo
Today · 4.125%
HK$21,902
baseline
▲ 0.50% · 4.625%
HK$23,234
+HK$1,332/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$43,804/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$180,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,928
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$23,542
−HK$624/mo
Today · 4.125%
HK$24,166
baseline
▲ 0.50% · 4.625%
HK$25,440
+HK$1,274/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$48,332/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$180,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,498
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$27,322
−HK$837/mo
Today · 4.125%
HK$28,159
baseline
▲ 0.50% · 4.625%
HK$29,873
+HK$1,714/mo
Deposit HK$646K · loan HK$5.81M · min. income ≈ HK$56,318/mo (50% DSR)
Upfront cash ≈ HK$826K (deposit + AVD stamp duty HK$180,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,478
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,269
−HK$802/mo
Today · 4.125%
HK$31,071
baseline
▲ 0.50% · 4.625%
HK$32,709
+HK$1,638/mo
Deposit HK$646K · loan HK$5.81M · min. income ≈ HK$62,142/mo (50% DSR)
Upfront cash ≈ HK$826K (deposit + AVD stamp duty HK$180,579 · 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).