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$14,719
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,176
−HK$466/mo
Today · 4.125%
HK$15,642
baseline
▲ 0.50% · 4.625%
HK$16,593
+HK$951/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$31,284/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$180,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,374
−HK$885/mo
▼ 0.25% · 3.875%
HK$16,813
−HK$446/mo
Today · 4.125%
HK$17,259
baseline
▲ 0.50% · 4.625%
HK$18,169
+HK$910/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$34,518/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$180,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,662
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$18,212
−HK$558/mo
Today · 4.125%
HK$18,770
baseline
▲ 0.50% · 4.625%
HK$19,912
+HK$1,142/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$37,540/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$180,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,649
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$20,176
−HK$535/mo
Today · 4.125%
HK$20,711
baseline
▲ 0.50% · 4.625%
HK$21,802
+HK$1,091/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$41,422/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$180,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,606
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,247
−HK$651/mo
Today · 4.125%
HK$21,898
baseline
▲ 0.50% · 4.625%
HK$23,231
+HK$1,333/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$43,796/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$180,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,924
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$23,539
−HK$623/mo
Today · 4.125%
HK$24,162
baseline
▲ 0.50% · 4.625%
HK$25,436
+HK$1,274/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$48,324/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$180,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,493
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$27,318
−HK$837/mo
Today · 4.125%
HK$28,155
baseline
▲ 0.50% · 4.625%
HK$29,868
+HK$1,713/mo
Deposit HK$645K · loan HK$5.81M · min. income ≈ HK$56,310/mo (50% DSR)
Upfront cash ≈ HK$826K (deposit + AVD stamp duty HK$180,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,474
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$30,264
−HK$802/mo
Today · 4.125%
HK$31,066
baseline
▲ 0.50% · 4.625%
HK$32,704
+HK$1,638/mo
Deposit HK$645K · loan HK$5.81M · min. income ≈ HK$62,132/mo (50% DSR)
Upfront cash ≈ HK$826K (deposit + AVD stamp duty HK$180,479 · 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).