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$14,733
−HK$924/mo
▼ 0.25% · 3.875%
HK$15,192
−HK$465/mo
Today · 4.125%
HK$15,657
baseline
▲ 0.50% · 4.625%
HK$16,610
+HK$953/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$31,314/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$181,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,391
−HK$885/mo
▼ 0.25% · 3.875%
HK$16,830
−HK$446/mo
Today · 4.125%
HK$17,276
baseline
▲ 0.50% · 4.625%
HK$18,187
+HK$911/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$34,552/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$181,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,680
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$18,230
−HK$559/mo
Today · 4.125%
HK$18,789
baseline
▲ 0.50% · 4.625%
HK$19,932
+HK$1,143/mo
Deposit HK$2.58M · loan HK$3.88M · min. income ≈ HK$37,578/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$181,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,669
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$20,197
−HK$535/mo
Today · 4.125%
HK$20,732
baseline
▲ 0.50% · 4.625%
HK$21,824
+HK$1,092/mo
Deposit HK$2.58M · loan HK$3.88M · min. income ≈ HK$41,464/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$181,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,627
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$21,268
−HK$652/mo
Today · 4.125%
HK$21,920
baseline
▲ 0.50% · 4.625%
HK$23,254
+HK$1,334/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$43,840/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$181,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,947
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$23,563
−HK$624/mo
Today · 4.125%
HK$24,187
baseline
▲ 0.50% · 4.625%
HK$25,462
+HK$1,275/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$48,374/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$181,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,520
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$27,345
−HK$838/mo
Today · 4.125%
HK$28,183
baseline
▲ 0.50% · 4.625%
HK$29,898
+HK$1,715/mo
Deposit HK$646K · loan HK$5.82M · min. income ≈ HK$56,366/mo (50% DSR)
Upfront cash ≈ HK$827K (deposit + AVD stamp duty HK$181,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,504
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,295
−HK$802/mo
Today · 4.125%
HK$31,097
baseline
▲ 0.50% · 4.625%
HK$32,737
+HK$1,640/mo
Deposit HK$646K · loan HK$5.82M · min. income ≈ HK$62,194/mo (50% DSR)
Upfront cash ≈ HK$827K (deposit + AVD stamp duty HK$181,133 · 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).