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$14,749
−HK$925/mo
▼ 0.25% · 3.875%
HK$15,208
−HK$466/mo
Today · 4.125%
HK$15,674
baseline
▲ 0.50% · 4.625%
HK$16,628
+HK$954/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$31,348/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$181,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,409
−HK$886/mo
▼ 0.25% · 3.875%
HK$16,849
−HK$446/mo
Today · 4.125%
HK$17,295
baseline
▲ 0.50% · 4.625%
HK$18,207
+HK$912/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$34,590/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$181,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,699
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$18,250
−HK$559/mo
Today · 4.125%
HK$18,809
baseline
▲ 0.50% · 4.625%
HK$19,954
+HK$1,145/mo
Deposit HK$2.59M · loan HK$3.88M · min. income ≈ HK$37,618/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$181,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,690
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$20,218
−HK$536/mo
Today · 4.125%
HK$20,754
baseline
▲ 0.50% · 4.625%
HK$21,848
+HK$1,094/mo
Deposit HK$2.59M · loan HK$3.88M · min. income ≈ HK$41,508/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$181,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,649
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$21,292
−HK$652/mo
Today · 4.125%
HK$21,944
baseline
▲ 0.50% · 4.625%
HK$23,279
+HK$1,335/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$43,888/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$181,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,972
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$23,588
−HK$625/mo
Today · 4.125%
HK$24,213
baseline
▲ 0.50% · 4.625%
HK$25,489
+HK$1,276/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$48,426/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$181,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,549
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$27,375
−HK$839/mo
Today · 4.125%
HK$28,214
baseline
▲ 0.50% · 4.625%
HK$29,931
+HK$1,717/mo
Deposit HK$647K · loan HK$5.82M · min. income ≈ HK$56,428/mo (50% DSR)
Upfront cash ≈ HK$829K (deposit + AVD stamp duty HK$181,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,535
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,328
−HK$803/mo
Today · 4.125%
HK$31,131
baseline
▲ 0.50% · 4.625%
HK$32,772
+HK$1,641/mo
Deposit HK$647K · loan HK$5.82M · min. income ≈ HK$62,262/mo (50% DSR)
Upfront cash ≈ HK$829K (deposit + AVD stamp duty HK$181,833 · 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).