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$14,729
−HK$924/mo
▼ 0.25% · 3.875%
HK$15,188
−HK$465/mo
Today · 4.125%
HK$15,653
baseline
▲ 0.50% · 4.625%
HK$16,605
+HK$952/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$31,306/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$180,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,386
−HK$886/mo
▼ 0.25% · 3.875%
HK$16,826
−HK$446/mo
Today · 4.125%
HK$17,272
baseline
▲ 0.50% · 4.625%
HK$18,182
+HK$910/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$34,544/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$180,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,675
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$18,225
−HK$559/mo
Today · 4.125%
HK$18,784
baseline
▲ 0.50% · 4.625%
HK$19,927
+HK$1,143/mo
Deposit HK$2.58M · loan HK$3.88M · min. income ≈ HK$37,568/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$180,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,664
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$20,191
−HK$535/mo
Today · 4.125%
HK$20,726
baseline
▲ 0.50% · 4.625%
HK$21,818
+HK$1,092/mo
Deposit HK$2.58M · loan HK$3.88M · min. income ≈ HK$41,452/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$180,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,621
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$21,263
−HK$651/mo
Today · 4.125%
HK$21,914
baseline
▲ 0.50% · 4.625%
HK$23,248
+HK$1,334/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$43,828/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$180,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,941
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,556
−HK$624/mo
Today · 4.125%
HK$24,180
baseline
▲ 0.50% · 4.625%
HK$25,455
+HK$1,275/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$48,360/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$180,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,513
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$27,338
−HK$837/mo
Today · 4.125%
HK$28,175
baseline
▲ 0.50% · 4.625%
HK$29,890
+HK$1,715/mo
Deposit HK$646K · loan HK$5.81M · min. income ≈ HK$56,350/mo (50% DSR)
Upfront cash ≈ HK$827K (deposit + AVD stamp duty HK$180,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,495
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$30,286
−HK$803/mo
Today · 4.125%
HK$31,089
baseline
▲ 0.50% · 4.625%
HK$32,728
+HK$1,639/mo
Deposit HK$646K · loan HK$5.81M · min. income ≈ HK$62,178/mo (50% DSR)
Upfront cash ≈ HK$827K (deposit + AVD stamp duty HK$180,952 · 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).