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$14,737
−HK$924/mo
▼ 0.25% · 3.875%
HK$15,195
−HK$466/mo
Today · 4.125%
HK$15,661
baseline
▲ 0.50% · 4.625%
HK$16,614
+HK$953/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$31,322/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$181,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,395
−HK$885/mo
▼ 0.25% · 3.875%
HK$16,834
−HK$446/mo
Today · 4.125%
HK$17,280
baseline
▲ 0.50% · 4.625%
HK$18,191
+HK$911/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$34,560/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$181,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,684
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$18,234
−HK$559/mo
Today · 4.125%
HK$18,793
baseline
▲ 0.50% · 4.625%
HK$19,937
+HK$1,144/mo
Deposit HK$2.59M · loan HK$3.88M · min. income ≈ HK$37,586/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$181,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,674
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$20,201
−HK$535/mo
Today · 4.125%
HK$20,736
baseline
▲ 0.50% · 4.625%
HK$21,830
+HK$1,094/mo
Deposit HK$2.59M · loan HK$3.88M · min. income ≈ HK$41,472/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$181,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,632
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$21,273
−HK$652/mo
Today · 4.125%
HK$21,925
baseline
▲ 0.50% · 4.625%
HK$23,260
+HK$1,335/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$43,850/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$181,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,953
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$23,568
−HK$625/mo
Today · 4.125%
HK$24,193
baseline
▲ 0.50% · 4.625%
HK$25,468
+HK$1,275/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$48,386/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$181,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,526
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,352
−HK$838/mo
Today · 4.125%
HK$28,190
baseline
▲ 0.50% · 4.625%
HK$29,905
+HK$1,715/mo
Deposit HK$646K · loan HK$5.82M · min. income ≈ HK$56,380/mo (50% DSR)
Upfront cash ≈ HK$828K (deposit + AVD stamp duty HK$181,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,510
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$30,302
−HK$803/mo
Today · 4.125%
HK$31,105
baseline
▲ 0.50% · 4.625%
HK$32,744
+HK$1,639/mo
Deposit HK$646K · loan HK$5.82M · min. income ≈ HK$62,210/mo (50% DSR)
Upfront cash ≈ HK$828K (deposit + AVD stamp duty HK$181,283 · 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).