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$14,710
−HK$922/mo
▼ 0.25% · 3.875%
HK$15,167
−HK$465/mo
Today · 4.125%
HK$15,632
baseline
▲ 0.50% · 4.625%
HK$16,584
+HK$952/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$31,264/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$180,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,365
−HK$884/mo
▼ 0.25% · 3.875%
HK$16,804
−HK$445/mo
Today · 4.125%
HK$17,249
baseline
▲ 0.50% · 4.625%
HK$18,158
+HK$909/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$34,498/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$180,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,652
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$18,201
−HK$558/mo
Today · 4.125%
HK$18,759
baseline
▲ 0.50% · 4.625%
HK$19,900
+HK$1,141/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$37,518/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$180,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,638
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$20,164
−HK$535/mo
Today · 4.125%
HK$20,699
baseline
▲ 0.50% · 4.625%
HK$21,790
+HK$1,091/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$41,398/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$180,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,594
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$21,234
−HK$651/mo
Today · 4.125%
HK$21,885
baseline
▲ 0.50% · 4.625%
HK$23,217
+HK$1,332/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$43,770/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$180,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,911
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$23,525
−HK$623/mo
Today · 4.125%
HK$24,148
baseline
▲ 0.50% · 4.625%
HK$25,421
+HK$1,273/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$48,296/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$180,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,478
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,301
−HK$837/mo
Today · 4.125%
HK$28,138
baseline
▲ 0.50% · 4.625%
HK$29,850
+HK$1,712/mo
Deposit HK$645K · loan HK$5.81M · min. income ≈ HK$56,276/mo (50% DSR)
Upfront cash ≈ HK$825K (deposit + AVD stamp duty HK$180,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,456
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$30,246
−HK$802/mo
Today · 4.125%
HK$31,048
baseline
▲ 0.50% · 4.625%
HK$32,684
+HK$1,636/mo
Deposit HK$645K · loan HK$5.81M · min. income ≈ HK$62,096/mo (50% DSR)
Upfront cash ≈ HK$825K (deposit + AVD stamp duty HK$180,100 · 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).