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$14,722
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,180
−HK$465/mo
Today · 4.125%
HK$15,645
baseline
▲ 0.50% · 4.625%
HK$16,597
+HK$952/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$31,290/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$180,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,378
−HK$885/mo
▼ 0.25% · 3.875%
HK$16,817
−HK$446/mo
Today · 4.125%
HK$17,263
baseline
▲ 0.50% · 4.625%
HK$18,173
+HK$910/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$34,526/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$180,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,666
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$18,216
−HK$558/mo
Today · 4.125%
HK$18,774
baseline
▲ 0.50% · 4.625%
HK$19,916
+HK$1,142/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$37,548/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$180,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,654
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$20,181
−HK$534/mo
Today · 4.125%
HK$20,715
baseline
▲ 0.50% · 4.625%
HK$21,807
+HK$1,092/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$41,430/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$180,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,611
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,252
−HK$651/mo
Today · 4.125%
HK$21,903
baseline
▲ 0.50% · 4.625%
HK$23,236
+HK$1,333/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$43,806/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$180,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,929
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,544
−HK$624/mo
Today · 4.125%
HK$24,168
baseline
▲ 0.50% · 4.625%
HK$25,442
+HK$1,274/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$48,336/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$180,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,499
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$27,324
−HK$837/mo
Today · 4.125%
HK$28,161
baseline
▲ 0.50% · 4.625%
HK$29,875
+HK$1,714/mo
Deposit HK$646K · loan HK$5.81M · min. income ≈ HK$56,322/mo (50% DSR)
Upfront cash ≈ HK$826K (deposit + AVD stamp duty HK$180,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,480
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,271
−HK$802/mo
Today · 4.125%
HK$31,073
baseline
▲ 0.50% · 4.625%
HK$32,711
+HK$1,638/mo
Deposit HK$646K · loan HK$5.81M · min. income ≈ HK$62,146/mo (50% DSR)
Upfront cash ≈ HK$826K (deposit + AVD stamp duty HK$180,625 · 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).