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$14,724
−HK$924/mo
▼ 0.25% · 3.875%
HK$15,182
−HK$466/mo
Today · 4.125%
HK$15,648
baseline
▲ 0.50% · 4.625%
HK$16,600
+HK$952/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$31,296/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$180,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,381
−HK$885/mo
▼ 0.25% · 3.875%
HK$16,820
−HK$446/mo
Today · 4.125%
HK$17,266
baseline
▲ 0.50% · 4.625%
HK$18,176
+HK$910/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$34,532/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$180,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,669
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$18,219
−HK$558/mo
Today · 4.125%
HK$18,777
baseline
▲ 0.50% · 4.625%
HK$19,920
+HK$1,143/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$37,554/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$180,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,657
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$20,184
−HK$535/mo
Today · 4.125%
HK$20,719
baseline
▲ 0.50% · 4.625%
HK$21,811
+HK$1,092/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$41,438/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$180,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,614
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$21,255
−HK$652/mo
Today · 4.125%
HK$21,907
baseline
▲ 0.50% · 4.625%
HK$23,240
+HK$1,333/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$43,814/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$180,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,933
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,548
−HK$624/mo
Today · 4.125%
HK$24,172
baseline
▲ 0.50% · 4.625%
HK$25,446
+HK$1,274/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$48,344/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$180,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,504
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$27,328
−HK$838/mo
Today · 4.125%
HK$28,166
baseline
▲ 0.50% · 4.625%
HK$29,880
+HK$1,714/mo
Deposit HK$646K · loan HK$5.81M · min. income ≈ HK$56,332/mo (50% DSR)
Upfront cash ≈ HK$826K (deposit + AVD stamp duty HK$180,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,485
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,276
−HK$802/mo
Today · 4.125%
HK$31,078
baseline
▲ 0.50% · 4.625%
HK$32,717
+HK$1,639/mo
Deposit HK$646K · loan HK$5.81M · min. income ≈ HK$62,156/mo (50% DSR)
Upfront cash ≈ HK$826K (deposit + AVD stamp duty HK$180,738 · 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).