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$14,752
−HK$925/mo
▼ 0.25% · 3.875%
HK$15,211
−HK$466/mo
Today · 4.125%
HK$15,677
baseline
▲ 0.50% · 4.625%
HK$16,631
+HK$954/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$31,354/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$181,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,412
−HK$886/mo
▼ 0.25% · 3.875%
HK$16,852
−HK$446/mo
Today · 4.125%
HK$17,298
baseline
▲ 0.50% · 4.625%
HK$18,210
+HK$912/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$34,596/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$181,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,702
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$18,253
−HK$560/mo
Today · 4.125%
HK$18,813
baseline
▲ 0.50% · 4.625%
HK$19,957
+HK$1,144/mo
Deposit HK$2.59M · loan HK$3.88M · min. income ≈ HK$37,626/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$181,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,694
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$20,222
−HK$536/mo
Today · 4.125%
HK$20,758
baseline
▲ 0.50% · 4.625%
HK$21,852
+HK$1,094/mo
Deposit HK$2.59M · loan HK$3.88M · min. income ≈ HK$41,516/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$181,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,653
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$21,295
−HK$653/mo
Today · 4.125%
HK$21,948
baseline
▲ 0.50% · 4.625%
HK$23,284
+HK$1,336/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$43,896/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$181,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,976
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$23,592
−HK$625/mo
Today · 4.125%
HK$24,217
baseline
▲ 0.50% · 4.625%
HK$25,494
+HK$1,277/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$48,434/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$181,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,554
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$27,380
−HK$839/mo
Today · 4.125%
HK$28,219
baseline
▲ 0.50% · 4.625%
HK$29,936
+HK$1,717/mo
Deposit HK$647K · loan HK$5.82M · min. income ≈ HK$56,438/mo (50% DSR)
Upfront cash ≈ HK$829K (deposit + AVD stamp duty HK$181,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,541
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,333
−HK$804/mo
Today · 4.125%
HK$31,137
baseline
▲ 0.50% · 4.625%
HK$32,778
+HK$1,641/mo
Deposit HK$647K · loan HK$5.82M · min. income ≈ HK$62,274/mo (50% DSR)
Upfront cash ≈ HK$829K (deposit + AVD stamp duty HK$181,949 · 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).