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$14,742
−HK$924/mo
▼ 0.25% · 3.875%
HK$15,201
−HK$465/mo
Today · 4.125%
HK$15,666
baseline
▲ 0.50% · 4.625%
HK$16,620
+HK$954/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$31,332/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$181,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,400
−HK$886/mo
▼ 0.25% · 3.875%
HK$16,840
−HK$446/mo
Today · 4.125%
HK$17,286
baseline
▲ 0.50% · 4.625%
HK$18,198
+HK$912/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$34,572/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$181,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,690
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$18,241
−HK$559/mo
Today · 4.125%
HK$18,800
baseline
▲ 0.50% · 4.625%
HK$19,944
+HK$1,144/mo
Deposit HK$2.59M · loan HK$3.88M · min. income ≈ HK$37,600/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$181,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,680
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$20,208
−HK$536/mo
Today · 4.125%
HK$20,744
baseline
▲ 0.50% · 4.625%
HK$21,837
+HK$1,093/mo
Deposit HK$2.59M · loan HK$3.88M · min. income ≈ HK$41,488/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$181,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,639
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$21,281
−HK$652/mo
Today · 4.125%
HK$21,933
baseline
▲ 0.50% · 4.625%
HK$23,268
+HK$1,335/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$43,866/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$181,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,960
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$23,576
−HK$625/mo
Today · 4.125%
HK$24,201
baseline
▲ 0.50% · 4.625%
HK$25,477
+HK$1,276/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$48,402/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$181,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,536
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,361
−HK$839/mo
Today · 4.125%
HK$28,200
baseline
▲ 0.50% · 4.625%
HK$29,915
+HK$1,715/mo
Deposit HK$647K · loan HK$5.82M · min. income ≈ HK$56,400/mo (50% DSR)
Upfront cash ≈ HK$828K (deposit + AVD stamp duty HK$181,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,521
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$30,312
−HK$803/mo
Today · 4.125%
HK$31,115
baseline
▲ 0.50% · 4.625%
HK$32,756
+HK$1,641/mo
Deposit HK$647K · loan HK$5.82M · min. income ≈ HK$62,230/mo (50% DSR)
Upfront cash ≈ HK$828K (deposit + AVD stamp duty HK$181,506 · 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).