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$14,720
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,178
−HK$465/mo
Today · 4.125%
HK$15,643
baseline
▲ 0.50% · 4.625%
HK$16,595
+HK$952/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$31,286/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$180,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,375
−HK$885/mo
▼ 0.25% · 3.875%
HK$16,815
−HK$445/mo
Today · 4.125%
HK$17,260
baseline
▲ 0.50% · 4.625%
HK$18,170
+HK$910/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$34,520/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$180,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,664
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$18,213
−HK$558/mo
Today · 4.125%
HK$18,771
baseline
▲ 0.50% · 4.625%
HK$19,913
+HK$1,142/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$37,542/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$180,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,651
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$20,178
−HK$534/mo
Today · 4.125%
HK$20,712
baseline
▲ 0.50% · 4.625%
HK$21,804
+HK$1,092/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$41,424/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$180,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,608
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,249
−HK$651/mo
Today · 4.125%
HK$21,900
baseline
▲ 0.50% · 4.625%
HK$23,232
+HK$1,332/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$43,800/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$180,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,926
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$23,541
−HK$623/mo
Today · 4.125%
HK$24,164
baseline
▲ 0.50% · 4.625%
HK$25,438
+HK$1,274/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$48,328/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$180,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,495
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$27,320
−HK$837/mo
Today · 4.125%
HK$28,157
baseline
▲ 0.50% · 4.625%
HK$29,870
+HK$1,713/mo
Deposit HK$646K · loan HK$5.81M · min. income ≈ HK$56,314/mo (50% DSR)
Upfront cash ≈ HK$826K (deposit + AVD stamp duty HK$180,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,476
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$30,266
−HK$802/mo
Today · 4.125%
HK$31,068
baseline
▲ 0.50% · 4.625%
HK$32,706
+HK$1,638/mo
Deposit HK$646K · loan HK$5.81M · min. income ≈ HK$62,136/mo (50% DSR)
Upfront cash ≈ HK$826K (deposit + AVD stamp duty HK$180,527 · 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).