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$14,733
−HK$924/mo
▼ 0.25% · 3.875%
HK$15,191
−HK$466/mo
Today · 4.125%
HK$15,657
baseline
▲ 0.50% · 4.625%
HK$16,609
+HK$952/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$31,314/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$181,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,390
−HK$886/mo
▼ 0.25% · 3.875%
HK$16,830
−HK$446/mo
Today · 4.125%
HK$17,276
baseline
▲ 0.50% · 4.625%
HK$18,186
+HK$910/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$34,552/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$181,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,679
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$18,229
−HK$559/mo
Today · 4.125%
HK$18,788
baseline
▲ 0.50% · 4.625%
HK$19,931
+HK$1,143/mo
Deposit HK$2.58M · loan HK$3.88M · min. income ≈ HK$37,576/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$181,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,668
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$20,195
−HK$536/mo
Today · 4.125%
HK$20,731
baseline
▲ 0.50% · 4.625%
HK$21,823
+HK$1,092/mo
Deposit HK$2.58M · loan HK$3.88M · min. income ≈ HK$41,462/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$181,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,626
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$21,267
−HK$652/mo
Today · 4.125%
HK$21,919
baseline
▲ 0.50% · 4.625%
HK$23,253
+HK$1,334/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$43,838/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$181,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,946
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$23,561
−HK$625/mo
Today · 4.125%
HK$24,186
baseline
▲ 0.50% · 4.625%
HK$25,461
+HK$1,275/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$48,372/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$181,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,519
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$27,344
−HK$838/mo
Today · 4.125%
HK$28,182
baseline
▲ 0.50% · 4.625%
HK$29,897
+HK$1,715/mo
Deposit HK$646K · loan HK$5.81M · min. income ≈ HK$56,364/mo (50% DSR)
Upfront cash ≈ HK$827K (deposit + AVD stamp duty HK$181,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,502
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$30,293
−HK$803/mo
Today · 4.125%
HK$31,096
baseline
▲ 0.50% · 4.625%
HK$32,735
+HK$1,639/mo
Deposit HK$646K · loan HK$5.81M · min. income ≈ HK$62,192/mo (50% DSR)
Upfront cash ≈ HK$827K (deposit + AVD stamp duty HK$181,100 · 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).