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$14,746
−HK$925/mo
▼ 0.25% · 3.875%
HK$15,205
−HK$466/mo
Today · 4.125%
HK$15,671
baseline
▲ 0.50% · 4.625%
HK$16,625
+HK$954/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$31,342/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$181,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,405
−HK$887/mo
▼ 0.25% · 3.875%
HK$16,845
−HK$447/mo
Today · 4.125%
HK$17,292
baseline
▲ 0.50% · 4.625%
HK$18,203
+HK$911/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$34,584/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$181,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,696
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$18,246
−HK$559/mo
Today · 4.125%
HK$18,805
baseline
▲ 0.50% · 4.625%
HK$19,950
+HK$1,145/mo
Deposit HK$2.59M · loan HK$3.88M · min. income ≈ HK$37,610/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$181,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,686
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$20,214
−HK$536/mo
Today · 4.125%
HK$20,750
baseline
▲ 0.50% · 4.625%
HK$21,844
+HK$1,094/mo
Deposit HK$2.59M · loan HK$3.88M · min. income ≈ HK$41,500/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$181,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,645
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$21,287
−HK$653/mo
Today · 4.125%
HK$21,940
baseline
▲ 0.50% · 4.625%
HK$23,275
+HK$1,335/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$43,880/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$181,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,967
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$23,583
−HK$625/mo
Today · 4.125%
HK$24,208
baseline
▲ 0.50% · 4.625%
HK$25,484
+HK$1,276/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$48,416/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$181,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,544
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,369
−HK$839/mo
Today · 4.125%
HK$28,208
baseline
▲ 0.50% · 4.625%
HK$29,924
+HK$1,716/mo
Deposit HK$647K · loan HK$5.82M · min. income ≈ HK$56,416/mo (50% DSR)
Upfront cash ≈ HK$828K (deposit + AVD stamp duty HK$181,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,529
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,321
−HK$804/mo
Today · 4.125%
HK$31,125
baseline
▲ 0.50% · 4.625%
HK$32,765
+HK$1,640/mo
Deposit HK$647K · loan HK$5.82M · min. income ≈ HK$62,250/mo (50% DSR)
Upfront cash ≈ HK$828K (deposit + AVD stamp duty HK$181,701 · 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).