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$14,740
−HK$924/mo
▼ 0.25% · 3.875%
HK$15,198
−HK$466/mo
Today · 4.125%
HK$15,664
baseline
▲ 0.50% · 4.625%
HK$16,617
+HK$953/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$31,328/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$181,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,398
−HK$886/mo
▼ 0.25% · 3.875%
HK$16,838
−HK$446/mo
Today · 4.125%
HK$17,284
baseline
▲ 0.50% · 4.625%
HK$18,195
+HK$911/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$34,568/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$181,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,688
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$18,238
−HK$559/mo
Today · 4.125%
HK$18,797
baseline
▲ 0.50% · 4.625%
HK$19,941
+HK$1,144/mo
Deposit HK$2.59M · loan HK$3.88M · min. income ≈ HK$37,594/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$181,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,678
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$20,205
−HK$536/mo
Today · 4.125%
HK$20,741
baseline
▲ 0.50% · 4.625%
HK$21,834
+HK$1,093/mo
Deposit HK$2.59M · loan HK$3.88M · min. income ≈ HK$41,482/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$181,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,636
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$21,278
−HK$652/mo
Today · 4.125%
HK$21,930
baseline
▲ 0.50% · 4.625%
HK$23,264
+HK$1,334/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$43,860/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$181,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,957
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$23,573
−HK$625/mo
Today · 4.125%
HK$24,198
baseline
▲ 0.50% · 4.625%
HK$25,473
+HK$1,275/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$48,396/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$181,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,532
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,357
−HK$839/mo
Today · 4.125%
HK$28,196
baseline
▲ 0.50% · 4.625%
HK$29,911
+HK$1,715/mo
Deposit HK$646K · loan HK$5.82M · min. income ≈ HK$56,392/mo (50% DSR)
Upfront cash ≈ HK$828K (deposit + AVD stamp duty HK$181,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,516
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$30,308
−HK$803/mo
Today · 4.125%
HK$31,111
baseline
▲ 0.50% · 4.625%
HK$32,751
+HK$1,640/mo
Deposit HK$646K · loan HK$5.82M · min. income ≈ HK$62,222/mo (50% DSR)
Upfront cash ≈ HK$828K (deposit + AVD stamp duty HK$181,416 · 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).