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$14,745
−HK$925/mo
▼ 0.25% · 3.875%
HK$15,204
−HK$466/mo
Today · 4.125%
HK$15,670
baseline
▲ 0.50% · 4.625%
HK$16,623
+HK$953/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$31,340/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$181,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,404
−HK$886/mo
▼ 0.25% · 3.875%
HK$16,843
−HK$447/mo
Today · 4.125%
HK$17,290
baseline
▲ 0.50% · 4.625%
HK$18,201
+HK$911/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$34,580/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$181,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,694
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$18,244
−HK$559/mo
Today · 4.125%
HK$18,803
baseline
▲ 0.50% · 4.625%
HK$19,948
+HK$1,145/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$181,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,684
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$20,212
−HK$536/mo
Today · 4.125%
HK$20,748
baseline
▲ 0.50% · 4.625%
HK$21,841
+HK$1,093/mo
Deposit HK$2.59M · loan HK$3.88M · min. income ≈ HK$41,496/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$181,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,643
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$21,285
−HK$652/mo
Today · 4.125%
HK$21,937
baseline
▲ 0.50% · 4.625%
HK$23,272
+HK$1,335/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$43,874/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$181,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,965
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$23,581
−HK$625/mo
Today · 4.125%
HK$24,206
baseline
▲ 0.50% · 4.625%
HK$25,482
+HK$1,276/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$48,412/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$181,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,541
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,366
−HK$839/mo
Today · 4.125%
HK$28,205
baseline
▲ 0.50% · 4.625%
HK$29,921
+HK$1,716/mo
Deposit HK$647K · loan HK$5.82M · min. income ≈ HK$56,410/mo (50% DSR)
Upfront cash ≈ HK$828K (deposit + AVD stamp duty HK$181,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,526
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,318
−HK$804/mo
Today · 4.125%
HK$31,122
baseline
▲ 0.50% · 4.625%
HK$32,762
+HK$1,640/mo
Deposit HK$647K · loan HK$5.82M · min. income ≈ HK$62,244/mo (50% DSR)
Upfront cash ≈ HK$828K (deposit + AVD stamp duty HK$181,633 · 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).