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$14,715
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,173
−HK$465/mo
Today · 4.125%
HK$15,638
baseline
▲ 0.50% · 4.625%
HK$16,590
+HK$952/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$31,276/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$180,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,371
−HK$884/mo
▼ 0.25% · 3.875%
HK$16,810
−HK$445/mo
Today · 4.125%
HK$17,255
baseline
▲ 0.50% · 4.625%
HK$18,165
+HK$910/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$34,510/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$180,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,658
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$18,208
−HK$558/mo
Today · 4.125%
HK$18,766
baseline
▲ 0.50% · 4.625%
HK$19,908
+HK$1,142/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$37,532/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$180,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,645
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$20,172
−HK$534/mo
Today · 4.125%
HK$20,706
baseline
▲ 0.50% · 4.625%
HK$21,798
+HK$1,092/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$41,412/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$180,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,601
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,242
−HK$651/mo
Today · 4.125%
HK$21,893
baseline
▲ 0.50% · 4.625%
HK$23,226
+HK$1,333/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$43,786/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$180,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,919
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$23,534
−HK$623/mo
Today · 4.125%
HK$24,157
baseline
▲ 0.50% · 4.625%
HK$25,431
+HK$1,274/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$48,314/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$180,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,488
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$27,311
−HK$838/mo
Today · 4.125%
HK$28,149
baseline
▲ 0.50% · 4.625%
HK$29,861
+HK$1,712/mo
Deposit HK$645K · loan HK$5.81M · min. income ≈ HK$56,298/mo (50% DSR)
Upfront cash ≈ HK$826K (deposit + AVD stamp duty HK$180,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,467
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$30,257
−HK$802/mo
Today · 4.125%
HK$31,059
baseline
▲ 0.50% · 4.625%
HK$32,696
+HK$1,637/mo
Deposit HK$645K · loan HK$5.81M · min. income ≈ HK$62,118/mo (50% DSR)
Upfront cash ≈ HK$826K (deposit + AVD stamp duty HK$180,337 · 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).