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$14,738
−HK$924/mo
▼ 0.25% · 3.875%
HK$15,196
−HK$466/mo
Today · 4.125%
HK$15,662
baseline
▲ 0.50% · 4.625%
HK$16,615
+HK$953/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$31,324/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$181,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,396
−HK$886/mo
▼ 0.25% · 3.875%
HK$16,836
−HK$446/mo
Today · 4.125%
HK$17,282
baseline
▲ 0.50% · 4.625%
HK$18,193
+HK$911/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$34,564/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$181,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,686
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$18,236
−HK$559/mo
Today · 4.125%
HK$18,795
baseline
▲ 0.50% · 4.625%
HK$19,938
+HK$1,143/mo
Deposit HK$2.59M · loan HK$3.88M · min. income ≈ HK$37,590/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$181,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,675
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$20,203
−HK$535/mo
Today · 4.125%
HK$20,738
baseline
▲ 0.50% · 4.625%
HK$21,831
+HK$1,093/mo
Deposit HK$2.59M · loan HK$3.88M · min. income ≈ HK$41,476/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$181,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,633
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$21,275
−HK$652/mo
Today · 4.125%
HK$21,927
baseline
▲ 0.50% · 4.625%
HK$23,261
+HK$1,334/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$43,854/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$181,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,954
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$23,570
−HK$624/mo
Today · 4.125%
HK$24,194
baseline
▲ 0.50% · 4.625%
HK$25,470
+HK$1,276/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$48,388/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$181,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,528
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,354
−HK$838/mo
Today · 4.125%
HK$28,192
baseline
▲ 0.50% · 4.625%
HK$29,907
+HK$1,715/mo
Deposit HK$646K · loan HK$5.82M · min. income ≈ HK$56,384/mo (50% DSR)
Upfront cash ≈ HK$828K (deposit + AVD stamp duty HK$181,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,513
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$30,304
−HK$803/mo
Today · 4.125%
HK$31,107
baseline
▲ 0.50% · 4.625%
HK$32,747
+HK$1,640/mo
Deposit HK$646K · loan HK$5.82M · min. income ≈ HK$62,214/mo (50% DSR)
Upfront cash ≈ HK$828K (deposit + AVD stamp duty HK$181,332 · 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).