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$14,726
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,184
−HK$465/mo
Today · 4.125%
HK$15,649
baseline
▲ 0.50% · 4.625%
HK$16,601
+HK$952/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$31,298/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$180,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,382
−HK$885/mo
▼ 0.25% · 3.875%
HK$16,822
−HK$445/mo
Today · 4.125%
HK$17,267
baseline
▲ 0.50% · 4.625%
HK$18,178
+HK$911/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$34,534/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$180,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,671
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$18,221
−HK$558/mo
Today · 4.125%
HK$18,779
baseline
▲ 0.50% · 4.625%
HK$19,922
+HK$1,143/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$37,558/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$180,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,659
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$20,186
−HK$535/mo
Today · 4.125%
HK$20,721
baseline
▲ 0.50% · 4.625%
HK$21,813
+HK$1,092/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$41,442/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$180,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,616
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$21,257
−HK$652/mo
Today · 4.125%
HK$21,909
baseline
▲ 0.50% · 4.625%
HK$23,242
+HK$1,333/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$43,818/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$180,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,935
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,550
−HK$624/mo
Today · 4.125%
HK$24,174
baseline
▲ 0.50% · 4.625%
HK$25,449
+HK$1,275/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$48,348/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$180,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,506
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$27,331
−HK$838/mo
Today · 4.125%
HK$28,169
baseline
▲ 0.50% · 4.625%
HK$29,883
+HK$1,714/mo
Deposit HK$646K · loan HK$5.81M · min. income ≈ HK$56,338/mo (50% DSR)
Upfront cash ≈ HK$827K (deposit + AVD stamp duty HK$180,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,488
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,279
−HK$802/mo
Today · 4.125%
HK$31,081
baseline
▲ 0.50% · 4.625%
HK$32,720
+HK$1,639/mo
Deposit HK$646K · loan HK$5.81M · min. income ≈ HK$62,162/mo (50% DSR)
Upfront cash ≈ HK$827K (deposit + AVD stamp duty HK$180,797 · 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).