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$14,722
−HK$924/mo
▼ 0.25% · 3.875%
HK$15,180
−HK$466/mo
Today · 4.125%
HK$15,646
baseline
▲ 0.50% · 4.625%
HK$16,598
+HK$952/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$31,292/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$180,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,378
−HK$885/mo
▼ 0.25% · 3.875%
HK$16,818
−HK$445/mo
Today · 4.125%
HK$17,263
baseline
▲ 0.50% · 4.625%
HK$18,173
+HK$910/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$34,526/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$180,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,667
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$18,216
−HK$559/mo
Today · 4.125%
HK$18,775
baseline
▲ 0.50% · 4.625%
HK$19,917
+HK$1,142/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$37,550/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$180,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,654
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$20,181
−HK$535/mo
Today · 4.125%
HK$20,716
baseline
▲ 0.50% · 4.625%
HK$21,808
+HK$1,092/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$41,432/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$180,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,611
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$21,252
−HK$652/mo
Today · 4.125%
HK$21,904
baseline
▲ 0.50% · 4.625%
HK$23,237
+HK$1,333/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$43,808/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$180,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,930
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,545
−HK$624/mo
Today · 4.125%
HK$24,169
baseline
▲ 0.50% · 4.625%
HK$25,443
+HK$1,274/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$48,338/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$180,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,500
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$27,324
−HK$838/mo
Today · 4.125%
HK$28,162
baseline
▲ 0.50% · 4.625%
HK$29,876
+HK$1,714/mo
Deposit HK$646K · loan HK$5.81M · min. income ≈ HK$56,324/mo (50% DSR)
Upfront cash ≈ HK$826K (deposit + AVD stamp duty HK$180,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,481
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,272
−HK$802/mo
Today · 4.125%
HK$31,074
baseline
▲ 0.50% · 4.625%
HK$32,712
+HK$1,638/mo
Deposit HK$646K · loan HK$5.81M · min. income ≈ HK$62,148/mo (50% DSR)
Upfront cash ≈ HK$826K (deposit + AVD stamp duty HK$180,643 · 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).