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$14,752
−HK$926/mo
▼ 0.25% · 3.875%
HK$15,211
−HK$467/mo
Today · 4.125%
HK$15,678
baseline
▲ 0.50% · 4.625%
HK$16,632
+HK$954/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$31,356/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$181,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,412
−HK$887/mo
▼ 0.25% · 3.875%
HK$16,852
−HK$447/mo
Today · 4.125%
HK$17,299
baseline
▲ 0.50% · 4.625%
HK$18,211
+HK$912/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$34,598/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$181,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,703
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$18,254
−HK$559/mo
Today · 4.125%
HK$18,813
baseline
▲ 0.50% · 4.625%
HK$19,958
+HK$1,145/mo
Deposit HK$2.59M · loan HK$3.88M · min. income ≈ HK$37,626/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$181,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,694
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$20,223
−HK$535/mo
Today · 4.125%
HK$20,758
baseline
▲ 0.50% · 4.625%
HK$21,853
+HK$1,095/mo
Deposit HK$2.59M · loan HK$3.88M · min. income ≈ HK$41,516/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$181,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,653
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$21,296
−HK$653/mo
Today · 4.125%
HK$21,949
baseline
▲ 0.50% · 4.625%
HK$23,284
+HK$1,335/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$43,898/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$181,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,977
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$23,593
−HK$625/mo
Today · 4.125%
HK$24,218
baseline
▲ 0.50% · 4.625%
HK$25,495
+HK$1,277/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$48,436/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$181,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,554
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$27,380
−HK$840/mo
Today · 4.125%
HK$28,220
baseline
▲ 0.50% · 4.625%
HK$29,937
+HK$1,717/mo
Deposit HK$647K · loan HK$5.82M · min. income ≈ HK$56,440/mo (50% DSR)
Upfront cash ≈ HK$829K (deposit + AVD stamp duty HK$181,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,542
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,334
−HK$804/mo
Today · 4.125%
HK$31,138
baseline
▲ 0.50% · 4.625%
HK$32,779
+HK$1,641/mo
Deposit HK$647K · loan HK$5.82M · min. income ≈ HK$62,276/mo (50% DSR)
Upfront cash ≈ HK$829K (deposit + AVD stamp duty HK$181,967 · 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).