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$14,744
−HK$925/mo
▼ 0.25% · 3.875%
HK$15,203
−HK$466/mo
Today · 4.125%
HK$15,669
baseline
▲ 0.50% · 4.625%
HK$16,622
+HK$953/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$31,338/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$181,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,403
−HK$886/mo
▼ 0.25% · 3.875%
HK$16,843
−HK$446/mo
Today · 4.125%
HK$17,289
baseline
▲ 0.50% · 4.625%
HK$18,200
+HK$911/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$34,578/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$181,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,693
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$18,244
−HK$559/mo
Today · 4.125%
HK$18,803
baseline
▲ 0.50% · 4.625%
HK$19,947
+HK$1,144/mo
Deposit HK$2.59M · loan HK$3.88M · min. income ≈ HK$37,606/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$181,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,683
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$20,211
−HK$536/mo
Today · 4.125%
HK$20,747
baseline
▲ 0.50% · 4.625%
HK$21,841
+HK$1,094/mo
Deposit HK$2.59M · loan HK$3.88M · min. income ≈ HK$41,494/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$181,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,642
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$21,284
−HK$652/mo
Today · 4.125%
HK$21,936
baseline
▲ 0.50% · 4.625%
HK$23,271
+HK$1,335/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$43,872/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$181,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,964
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$23,580
−HK$625/mo
Today · 4.125%
HK$24,205
baseline
▲ 0.50% · 4.625%
HK$25,481
+HK$1,276/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$48,410/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$181,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,540
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,365
−HK$839/mo
Today · 4.125%
HK$28,204
baseline
▲ 0.50% · 4.625%
HK$29,920
+HK$1,716/mo
Deposit HK$647K · loan HK$5.82M · min. income ≈ HK$56,408/mo (50% DSR)
Upfront cash ≈ HK$828K (deposit + AVD stamp duty HK$181,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,525
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$30,317
−HK$803/mo
Today · 4.125%
HK$31,120
baseline
▲ 0.50% · 4.625%
HK$32,761
+HK$1,641/mo
Deposit HK$647K · loan HK$5.82M · min. income ≈ HK$62,240/mo (50% DSR)
Upfront cash ≈ HK$828K (deposit + AVD stamp duty HK$181,608 · 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).