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$14,748
−HK$925/mo
▼ 0.25% · 3.875%
HK$15,207
−HK$466/mo
Today · 4.125%
HK$15,673
baseline
▲ 0.50% · 4.625%
HK$16,627
+HK$954/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$31,346/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$181,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,407
−HK$887/mo
▼ 0.25% · 3.875%
HK$16,847
−HK$447/mo
Today · 4.125%
HK$17,294
baseline
▲ 0.50% · 4.625%
HK$18,205
+HK$911/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$34,588/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$181,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,698
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$18,248
−HK$560/mo
Today · 4.125%
HK$18,808
baseline
▲ 0.50% · 4.625%
HK$19,952
+HK$1,144/mo
Deposit HK$2.59M · loan HK$3.88M · min. income ≈ HK$37,616/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$181,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,689
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$20,217
−HK$536/mo
Today · 4.125%
HK$20,753
baseline
▲ 0.50% · 4.625%
HK$21,846
+HK$1,093/mo
Deposit HK$2.59M · loan HK$3.88M · min. income ≈ HK$41,506/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$181,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,648
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$21,290
−HK$652/mo
Today · 4.125%
HK$21,942
baseline
▲ 0.50% · 4.625%
HK$23,278
+HK$1,336/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$43,884/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$181,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,970
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$23,586
−HK$625/mo
Today · 4.125%
HK$24,211
baseline
▲ 0.50% · 4.625%
HK$25,487
+HK$1,276/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$48,422/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$181,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,547
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$27,373
−HK$839/mo
Today · 4.125%
HK$28,212
baseline
▲ 0.50% · 4.625%
HK$29,928
+HK$1,716/mo
Deposit HK$647K · loan HK$5.82M · min. income ≈ HK$56,424/mo (50% DSR)
Upfront cash ≈ HK$829K (deposit + AVD stamp duty HK$181,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,533
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,325
−HK$804/mo
Today · 4.125%
HK$31,129
baseline
▲ 0.50% · 4.625%
HK$32,770
+HK$1,641/mo
Deposit HK$647K · loan HK$5.82M · min. income ≈ HK$62,258/mo (50% DSR)
Upfront cash ≈ HK$829K (deposit + AVD stamp duty HK$181,782 · 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).